vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX  Original creditor : XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX Account number XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right 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 XXXXXXXX 15 USC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1681 section 602 A : states i have the right to privacy. 15 USC 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 USC 1681s-2 ( A ) ( 1 ) states : 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 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Im reaching out for some guidance and assistance with my modification. I live in XXXX Arizona, In the beginning of the Pandemic, I medical condition, I had to have XXXX and I had missed out on work. I had No incoming in! At the very start of the pandemic I was 3 months behind in my mortgage and us bank who my mortgage is through, helped with getting my mortgage Deferred. My deferment ended in XXXX, since then I been sending in modification packets, Im on my third packet. It one thing after another, I been told my packet was incomplete, because I sent in one profit and loss sheet, it should have been 3 separate profit and loss sheet for each month. then because my hardship letter didnt state when my hardship ended, but I did show my paystubs from working two jobs. They asked if I owned the business or self employed, because one company I work for dont take out Texas . I had to explain that and get a letter from the company explaining why! The company explained Im hired as a independent XXXX and its my responsibility to pay my Texas quarterly or yearly, the company dont take out it out. Now as of Friday I received an email stating that I didnt sign and date my profit and loss sheet. In the same email, it stated I needed the current loss and profit sheet. Ive created new profit and loss sheets from XXXX to XXXX and I also sent the old profit and loss sheets from XXXX to XXXX, I signed and dates them all to be safe. I called customer service to ensure thats all was needed and they Assured me that that was all needed. I call Us bank a couple times a week just make sure Im doing my part. I feel like every time I speak to a customer service rep, Im told slightly different information. I also received a letter from the Foreclosure attorney, stating I need to pay the total amount owed by XXXX XXXX With a cashiers check, if I cant do that, they Will proceed with the foreclosure. I contact the foreclosure attorney and they stated to me verbally that because US Bank is still reviewing my packet that the foreclosure is on hold until US Bank make a decision. I live in my home and I would like to keep my home! The banker thats assigned to me, I have never spoken to them, and assigned to someone new and havent had the opportunity to speak to him as well. Im not sure if Im Comprehending properly or theyre not explaining to me clearly. I understand the modification may reduce my mortgage paymentI need some help and Im in desperate need of assistance, please please help me.

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 2022-04-20 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: TN

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( 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.

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 2022-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
My homeowners insurance got canceled when they had received notice that they needed to pay more. They paid the year before amount a d still owed XXXX they failed to pay it I have the notices copies with me. So they canceled my insurance I was never called or notified until a later date. Well now 2 months later they finally got the same policy rewritten but now it is XXXX more than it would of been if they would of paid it in the first place. According to laws they have to pay that difference themselves due to thier mistake. If this doesn't solve anything I will take the next step of a lawyer.

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 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
My credit report lists a delinquent account past due. 
This delinquent account is mentioned by the debt collection company -- I C SYSTEMS COLLECTIONS For the entity -- XXXX XXXX Its address listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family Address ID : XXXX Report number : XXXX XX/XX/2019 Amount XXXX Account number XXXX I, XXXX XXXX, have never procured anything from XXXX XXXX. I have never ever lived in state of XXXX never lived at the above address. 
I have tried to contact the XXXX credit reporting companies as to why they report this on my Credit Report and have not received any answer from the XXXX companies, XXXX XXXX XXXX XXXX XXXX I tried contacting the I C SYSTEMS COLLECTIONS and did not get any response. 
Can you please help me sort this issue from my credit report. This has impacted my credit score and my financial history negatively. 
Thanks 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 2022-04-20 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
DPT ED/XXXX Account # XXXX has violated my rights. 
DPT EDXXXX Account # XXXX violated my rights. 
XXXX ( original XXXX XXXX  ) Account # XXXXhas violated my rights. 
XXXX XXXX ( original XXXX XXXX  XXXX ) Account # 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  Account # XXXX has violated my rights. 
XXXX XXXX  Account # XXXX has violated my rights. 
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 an 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 2022-04-20 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: PR

Complaint narrative:
We've send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on 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 non-monetary relief
Consumer complaint received 2022-04-20 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
inquiries that i didnt inquire about

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: DISCOVER BANK
State: TX

Complaint narrative:
Identity theft against XXXX XXXX XXXX XXXX since XX/XX/2015 I have XXXX XXXX ID accounts XXXX email accounts XXXX accounts he has given access to my accounts to XXXX diffrent women he has impregnated over the years all while living with me I have credit debit mortgages under my my name personal loans Ive never had hospital bills I only have one address XXXX live XXXX  XXXX XXXX tx XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
On XXXX Sterling requested international education verification information and a release. On XXXX I complied with all requirements and sent the requested documentation plus the release to Sterling through the email required. On XXXX Sterling noted in the completed background check report that I had not provided the requested information. Today XXXX Sterling has no response as to why they would state the requested information was not provided.

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 2022-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a victim of identity theft, with a current fraud alert and FTC report on credit reports. I noticed I have 3 hard inquiries on my credit from a company I haven't contacted to pull my reports. I have not granted XXXX XXXX no access to do so. I am contacting you guys because I reached out to them about a fraud account and these inquiries and still haven't heard anything from them and its been more then 30 days. These inquiries and account is hindering my credit score and stoping me from purchasing a home because of what's being reported wrong. Below I will provide dates that inquires are reporting. 

XXXX XXXX XXXX XX/XX/2021 All are in the same year 3 '' hard pulls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I applied to refinance my auto loan from XXXX  XXXX XXXX over to USAA where I do my primary banking, and where my rate would be 1 % lower than the loan I had with XXXX. 
The loan was funded by USAA on XX/XX/XXXX and they were to send the payoff to XXXX. 
In late XXXX I received an email that my upcoming payment was due with XXXX on my auto loan that should have been paid off with the refinance. At that point I called USAA and let them know there was still a balance on my XXXX loan and it appeared the payoff was never received by them from USAA. I was told at that time that they would reissue the check and take care of the issue prior to my payment due date on XX/XX/XXXX since I had already made my XXXX payment to USAA for the new loan obtained. 
Unfortunately that is not what happened. Instead on XX/XX/XXXX they sent me a copy of the check that was supposedly cashed by XXXX. This check had no endorsement information on the front or back of the check that was discernible. 
I opened a case with XXXX, provided them all of the check information and a copy of the check. They have been unable to locate it on their system. I have called both USAA and XXXX multiple times every week to try and resolve this issue, which is still unresolved. 
USAA finally provided me with a XXXX tracking number last week for the check. However that tracking number shows that the check never left USAA and was never received by XXXX. 
So I now have two loans outstanding against my one vehicle. Ive been told I need to make the payments on both loans since USAA is supposedly not responsible for my contract with XXXX, and that any fees/interest will be my responsibility solely. 
Every time I call USAA and speak with someone Im told itll be 3-5 business days for a response and yet we still are no further on a resolution and Im the only one being financially impacted in the interim. And Ive spent well over 10 hours of my time trying to resolve this matter offering suggestions and contact information along the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC
State: LA

Complaint narrative:
My home mortgage is serviced by NewDay USA ( XXXX XXXX XXXX XXXX, Georgia XXXX : XXXX ). 

In early XX/XX/XXXX I received a letter from NewDay ( dated XX/XX/XXXX ) informing me that my escrow account had an overage and that I would be receiving a check for the excess amount shortly. As of XXXX XXXX, XXXX I have yet to see the funds for this disbursement despite many calls over several weeks to NewDay ( at least eight calls ). 

Every single action NewDay takes requires several days of processing with little to no follow up. My request to speak with a manager was met with the submission of a ticket which took several days to process and the manager I spoke with insisted that she was unable to speak with the department which issued the refund checks ( she said she could submit a request which would take several days to check on the status ). The manager even told me that me that once the check was mailed " it is out of our hands and there is nothing we can do. '' She had no response when I asked if the same standard applied to my mortgage payment which I've remitted on time over the course of the loan. Doesn't XXXX have a legal responsibility to return my escrow excess to me? 

When I asked if it was possible to transfer the money electronically ( using the same account I send them my monthly mortgage payment ) another representative told me that they could submit a request which would take a week to process. 

Other issues I've had with their customer service include the phone picking up but hearing nothing but children playing in the background ( I could hear the kids playing and calling each other by name ), phone picking up then getting nothing but static and random people talking, and calls being dropped. 

Overall NewDay Financial has had the worst customer service of any financial institution I've ever dealt with. The way they've handled the disbursement of my escrow payment strikes me as a company that is cutting corners wherever possible and may not even have the money to disburse in the first place ( that's why I'm getting such a run around ). They are either incredibly dysfunctional or plain dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: NJ

Complaint narrative:
There are inquiries on my report that I do not recognize, and in accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XX/XX/21 XXXX XXXXXXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXX/XX/21 XXXX XXXX XX/XX/21

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 2022-04-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are inquiries on my report that I do not recognize, and in accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XX/XX/21 XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21

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 2022-04-20 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, XXXX Acct # : 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 2022-04-20 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, XXXX Acct # : 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 2022-04-20 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: ND

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 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 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 response to consumer: Closed with explanation