vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: UT

Complaint narrative:
EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INCXXXX IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, # XXXX XXXX  ON OR ABOUT XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: VA

Complaint narrative:
XXXX XXXX and Experian Is reporting incorrect information on my credit report. Please investigate immediately..The law was set in place to protect improper use of my credit and I am holding Experian and upgrade responsible.. 
1 no written authorization for my personal information on the credit report 2 The right of privacy by law which they broke after several dispute 3 I want justice this information was sent to all XXXX XXXX and Experian

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 2022-08-30 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: UT

Complaint narrative:
EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INC. IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, XXXX XXXX XXXX  ON OR ABOUT XXXX XXXX. XXXX 
# XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: UT

Complaint narrative:
EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INC. IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, # XXXX XXXX ON OR ABOUT XXXX XXXX. XXXX 
# XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX and XXXX Is reporting incorrect information on my credit report. Please investigate immediately..The law was set in place to protect improper use of my credit and I am holding XXXX and XXXX responsible.. 
1 no written authorization for my personal information on the credit report 2 The right of privacy by law which they broke after several dispute 3 I want justice this information was sent to all Transunion XXXX and 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 2022-08-30 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: CO

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 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 : 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 2022-08-30 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: Atlanticus Services Corporation
State: MN

Complaint narrative:
In accordance with the fair credit report at XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been trying for 3 weeks to get a transaction history of my mortgage account with Truist back through XX/XX/XXXX. Online data only goes back to XX/XX/XXXX. I need this information to satisfy underwriters for a new mortgage I have been trying to settle on at another company. 

My mortgage with Truist was under forbearance and so nothing was reported to credit reporting agencies, yet I was charged late fees for the first XXXX months of forbearance. I have asked Truist to refund those fees. I was verbally told when I entered forbearance that it would begin XX/XX/XXXX, however it was nearly another 7 months until I received a copy of my Forbearance Plan, by letter dated XX/XX/XXXX, and it was unclear about the status of XX/XX/XXXX and XX/XX/XXXX. 

Forbearance ended after suspension of my XX/XX/XXXX payment. The underwriters for my new loan do not understand how Truist was reporting my XX/XX/XXXX payment. A letter to me dated XX/XX/XXXX states that no fees will be assessed nor reports made to credit reporting agencies while they processed a final solution. 

I have talked to the manager at my local Truist branch, but they do not have access to mortgage records and told me to call mortgage services. The first time I called, they promised to email that information in 24-48 hours, which they did. However, they failed to tell me that it would arrive in a time-sensitive email or that it could not be opened by any mobile device, which is all I own. The sender did not respond to my email request for additional help opening the email. The second time I called, they promised to resend the transaction history after suggesting I ask Suntrust bank instead and would expedite my request and it would likely arrive in 24 hours. It did not arrive at all. The third time I called, the surly man who answered told me it had been mailed instead on XX/XX/XXXX. When I asked to speak with a supervisor, he disappeared from the conversation without telling me I was being put on hold for so long I thought the call had dropped. Then he came back on the call and asked if I needed anything else, saying no supervisor was available and he scheduled one to contact me. That never happened. 

I need this transaction history to settle on another mortgage. I dont understand why it is so difficult for Truist to provide it.

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 2022-08-30 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: MI

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because according to the 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX BANK Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Number XXXX XXXX BANK Account Number XXXX Account Name XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
In accordance with the fair credit reporting act, Capital One on both of my cards, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Rocket Mortgage ran our annual escrow analysis in XXXX of XXXX and claimed that we had a deficiency of {$1500.00} which we paid in full. Rocket Mortgage then ran an off schedule analysis 5 months after the initial escrow analysis which ironically coincided with the payment of our insurance for the year. No one asked them to run an analysis, we were told by the lender that they had to pay out more money than they expected because the policy amount increased. We then received notice that our payment would go from $ XXXX/month to $ XXXX/month if we didn't pay the deficiency {$230.00}. This is just 5 months after the initial analysis. They claimed that if we paid the deficiency then it would only go up to $ XXXXmonth, which is still {$20.00} than what we were paying after only being in the escrow year for only five months. We made a payment of {$1200.00} directly into the escrow account. We have spoken to several representative and have even had our concerns escalated to a senior representative that told they are following the guidelines of RESPA. I have yet to find any information under RESPA laws that state that a mortgage company can run escrow analysis whenever the bank pays more than expected. To add insult to injury, the escrow account had more than enough money to cover the fees. In fact when the taxes are paid in the next 2 months, the entire amount will be covered by what is in the escrow alone and pay mortgage insurance that they pay out each month. The bank refuses to remove the deficiency off the account despite our having made a payment of more than tripled what our supposed deficiency is and are trying to charge us each month for that deficiency. They also can not explain when exactly we had a shortage in the account. The balance has remained over {$2000.00} the entire year. We were even told that regardless, we were going to be short when the next analysis would run. Despite our best efforts to resolve the issue Rocket Mortgage, we keep hitting a brick wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Two collection accounts just showed up on my credit report within the last 2 months I submitted and dispute and they did not get back to 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 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
I was approved for Homeowner Assistance Fund payments in late XXXX. I received an award letter for my entire past due balance of {$27000.00} and 13 months of forward payments ( {$1600.00} ) on XX/XX/2022. 

I was contacted by my HAF counselor and informed that the past due check was sent on XX/XX/2022 and that forward payments would begin on XX/XX/2022. 

I have contacted my mortgage company several times and have been unable to find out if they have received any payments. I was initially told in the end of XXXX that they received my approval letter and that my account was in the loss mitigation closing department awaiting the payment from HAF. I called again and was told that no payment had been received yet but someone would call me within 24 hours to let me know the status of my account. I did not receive a return phone call. 

I waited a couple of weeks and called back and was told the same thing. No payment applied, no return phone call. 

I have placed several phone calls to my mortgage company and can not find out any information about any payments made to them or the status of my account. 

Please advise as to my next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Two collection accounts just showed up on my credit report within the last 2 months I submitted and dispute and they did not get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Two collection accounts just showed up on my credit report within the last 2 months I submitted and dispute and they did not get back to 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 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: MI

Complaint narrative:
I had an key bank account and was a victim of a person posing to be an employer. They mailed me a check and I put the check into my account and then they told me to send them the money in XXXX check cleared and then check turned out to be fake. I informed the bank I was scammed. The closed the account and charged it off as fraud. I since then have opened a XXXXXXXX XXXX  account and because the way this key bank account is reporting they have locked my account up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 : 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 2022-08-30 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: CO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXXXXXX 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 : 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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I'd contacted Chase Credit Card services to dispute a charge with a vendor. They began an investigation. I then noticed later that there was a credit on my account for the charge from the vendor. I was told when I called Chase BACK that the credit was NOT from the vendor but from CHASE pending their investigation. I then proceeded to deal with the vendor accordingly, filing complaints with Consumer Affairs and the XXXX XXXX XXXX I also had posted reviews of the company on line, all of this based on the information I'd received from Chase. The vendor continued to insist that THEY had given me a credit on XX/XX/XXXX and that it must be " in process. '' I contacted Chase AGAIN on XX/XX/XXXX and was told AGAIN that the vendor had NOT given me a credit and that the vendor was misinforming me. I then proceeded accordingly based on the information Chase had given me. I called Chase again on XX/XX/XXXX and was told at that time that the vendor HAD processed the credit on XXXX and that there WAS no credit from Chase at that time. I had been misinformed by at least 2 people at Chase customer service. They are now refusing to acknowledge their mistakes. I spoke to XXXX from their Executive offices yesterday and he claims there WAS no phone call on XXXX. I have proof in my phone records but they refuse to look at my proof. I just want a letter acknowledging their mistakes in case the vendor decides to pursue action against me. I don't think this is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OZK
State: AR

Complaint narrative:
In an effort to recover the {$8000.00} hacked and stolen money from my checking account with OZK Bank of Arkansas who refused to return the money to my account. After numerous meetings and correspondence with the bank to resolve the issue they still refused citing an obscure " Regulation E '' of the Dodd-Frank Act as the reason. ( See attached " Certified Letter to the President, XXXX & XXXX, of OZK Bank of Arkansas, XXXX XXXX '' explaining what took place. I never received confirmation it was signed for! No response at all from XXXX XXXX. 

There are a number of personal reasons that occurred during the period in question of my hacked account that were not considered including : ( I should have been offered an extension to the " Regulation E '' considering the circumstances leading up to the hacking ) ( 1 ) Covid-loss of income. 
( 2 ) XXXX XXXX. 
( 3 ) XXXX XXXX Diagnosis & Treatment. 
( 4 ) XXXXe- Problem sending and receiving texts, emails and internet. 

I filed a lawsuit with 9th District Small Claims Court in an attempt to recoup some of my losses ( up to {$5000.00} ). Bank OZK responded with an offer of {$500.00} to settle the case which is not acceptable. 

I then received a letter from the XXXX XXXX County, Arkansas Clerks Office 9th District, Arkansas ( Attached ) notifying me that the case was being transferred to Civil Court on OZK 's request. 

I did not and will not approve this action! 

I do have copies of my OZK statements which clearly show when the hacking occurred which are available on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: UT

Complaint narrative:
LexisNexis, I HAVE REPEATEDLY REQUESTED DIRECTLY IN WRITING, ONLINE, EMAILED AS WELL AS MAKE PHONE CALLS TO LexisNexis, in order to opt-out of public reports to all companies and consumers, discloser of my clue choice point and LexisNexis products XXXX 
And for LexisNexis freeze my personal report. 
I am a victim of ID THEFT. 
My life has been threatened by law have the right to privacy under the said above legal circumstances! 
The Federal Trade Commission has a report concerning my personal LexisNexis report. 
and all Law Enforcement agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Trans Union is reporting a collection as a " OPEN ACCOUNT*which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. I tried to dispute directly with Transunion and XXXX back verified and I will like the documentation used to verified or they need to remove the account. 

Please send me a copy of my credit report when the above deletion has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief