vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 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: CA

Complaint narrative:
In XXXX I noticed JPMCB and XXXX XXXX XXXX were showing incorrect accounts that were my ex-husband 's. I contacted them over and over and over again. Writing down names and times. Each time, they said that they were taking care of the issue. I even sent a notarized report they asked me to fill out. That was on XX/XX/XXXX. I received a letter reading that the matter was settled on XX/XX/XXXX. I still called because I could see that it was still on my report. I needed to go to Grad school to get a job, but couldn't do that without financial aid, which I could not get because of this. Thus, I would call again and again, the last time being told that on XX/XX/XXXX they had told the three credit reporting agencies to remove the account. But each time, they also put a caveat that I must fax in the credit report ( current - not past 60 days ) and then they would remove the problem again by contacting all the agencies. Or I could have the agencies contact them. I did both. And the credit agencies, when I followed up, all stated that they had called that company, but had not received the information requested. I finally gave up at the end of XXXX for school. I figured that the 7 year law would kick in and they would HAVE to follow the law. Still I called and went through all the loops all the way until today. Today I received a denial for my student loan because of this. Thus, I contacted all of the above again. Again I was given the same information, " Oh! It should have been removed. You can fax or mail your most current credit report, not past 60 days ), then we will make sure it's removed. Or you can have the credit agencies call us. '' When I asked them how long this would take, I was told 30-60 days on their end and probably the same for the credit reporting agencies. I stated that was too late. So I called the XXXX financial aid office to explain, but they said they don't have anything to do with it as these are federal loans. I will re-fax and send certified mail as I have in the past and then call. But now, it's past the 7 years, how can they still hold me hostage on the three credit reporting agencies. Now I know why I couldn't receive credit to purchase a car I desperately needed for my job. This is messing up my life for something that I did not do and is now against the law as it should have fallen off XXXX, XXXX for the FCRA and I feel now, that it's hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have called numerous times to try to lower my monthly payments and also even trying to get a deferment for that month that I had a late payment of {$540.00}. I talked to the CFO asking about getting the late payment removed due to it already being past two years and also due to trying to get my family a home. She sounded confident that if I filled out the forms to get the late payment investigated into that I would be okay. I tried to send a goodwill letter after the payment had already been made two years ago but the letter was sent back to me. The only thing that they could tell me was that I was denied without even thoroughly explaining why except they had to report the findings but even trying to explain that the payment had already been paid and in hopes of a good will letter nothing could be done. In addition to asking for lower payments that I can barely afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( XXXX ) on my credit profile and distributing them to XXXX parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX 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 2022-07-05 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:
1.Account Name : XXXX XXXX XXXX Account XXXX : XXXX Amount : XXXX 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 2022-07-05 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: PA

Complaint narrative:
in 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 2022-07-05 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: CA

Complaint narrative:
Issue : Unable to access credit report from Equifax to get approved for a mortgage. Called customer service. Multiple agents have told me the same thing. " Please send us a cover-letter requesting your information be updated, along with copies of your social security card and documents pertaining to your residence in XXXX XXXX' XXXX I have provided everything including my D.O.B, address, and phone number. Included as well was a copy of a utility bill. 

As of XX/XX/2022, I, XXXX XXXX XXXX have consistently faxed required documentation to the number provided by Equifax information services. 
I have also mailed documents XX/XX/XXXX and XX/XX/XXXX to Equifax information services in an attempt to " unlock '' my credit report in order to proceed with my mortgage. No matter how many times I call Equifax the situation remains the same and they claim to have either 1. No record of me and I must submit documents 2. My Credit report is Frozen and needs to be unfrozen by submitting documents. And 3. There is a fraud alert on my credit report and must submit documentation for Identity verification. 

It has been 20 days since first submitting documentation to Equifax to verify my Identity. I have received two replies in the mail thanking me for my request, but must submit documentation, which was submitted in the request. 

Equifax is taking my personal private information and " losing '' it as I have submitted the required information countless times via FAX and twice via email. No Agent has been able to help me, and no agent will provide me any contact information for thos responsible for receiving my sensitive documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: PA

Complaint narrative:
In 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 2022-07-05 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: GA

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 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 2022-07-05 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: GA

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1.Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 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 2022-07-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is a home loan servicing company that is reporting inaccurate information to the credit bureaus about my home loan. XXXX reported to XXXX and XXXX that I " pay as agreed and that my loan was transferred to another company '', but it is currently reporting negatively to Experian that I have " XXXX late payments ''.

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 2022-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
On XX/XX/2022 I received a letter from my mortgage company, Village Capital and Investment LLC, that was dated XX/XX/2022. It was an annual escrow account disclosure statement. It read, in short, that I had an escrow surplus amount of {$1100.00} dollars that would be sent to me by check within 30 days, provided my loan was current. My loan had always been current with them, and continues to be to this day. On XX/XX/2022 I called Village Capital and inquired about my check as I had not received it? I was told the escrow department had been informed and I'd receive it within days. I called them again on XX/XX/XXXX to ask again about the check that I hadn't received. This time I was told to call back in 45 days if I hadn't heard from them. So I asked for a check number and date it was sent, she couldn't provide it. I asked where was it mailed from and to what address, and the call abruptly ended on her end. No one returns my calls and I can't get any information about my escrow surplus refund check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05 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:
THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to XXXX parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After submitting letters by certified mail to " XXXX XXXX  '' the collection company that it is reporting me and also to the 3 credit Bureaus XXXX, XXXX and Equifax. The information in my credit report still showing discrepancy. On XX/XX/XXXX it was showing as the account was closed and then in XXXX it was active again. Also, the balance showing in that account keeps changing constantly. Up to this day the company " XXXX XXXX '' as been able to provide proof that this account belongs to me, and it hasn't been verified with the credit Bureaus. Please investigate this matter and correct the disputed item as soonest possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After submitting letters by certified mail to " XXXX XXXX XXXX the collection company that it is reporting me and also to the 3 credit Bureaus Experian, XXXX and XXXX. The information in my credit report still showing discrepancy. On XX/XX/XXXX it was showing as the account was closed and then in XXXX it was active again. Also, the balance showing in that account keeps changing constantly. Up to this day the company " XXXX XXXX '' as been able to provide proof that this account belongs to me, and it hasn't been verified with the credit Bureaus. Please investigate this matter and correct the disputed item as soonest possible.

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 2022-07-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXXXXXX XXXX  '' Account # XXXX in the amount of {$2700.00}. The company that is reporting me is " XXXX XXXX XXXX '' then I sent letter to the collection company asking to please verify this account. No respond was received within the 45 days period after that. Then, on XX/XX/XXXX changes were made to my credit report showing as the account was closed. On the XX/XX/XXXX it was back on my credit report as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I do have proof that the date that was delivered. I'm requesting assistances in the verification of the removal of the disputed data from 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 2022-07-05 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I leased a new car & went to Costco to buy some detailing rags with my son, aged 1, with XXXX issues. A Costco rep asked me if I wanted to apply for a credit card & I said I did not, but they implied that a business account has a very good chance of getting granted. While shopping my son asked me if we were still able to afford to go on vacation, to which I replied we'd talk about it later. He took that to mean, we would not be able to, given my new car lease. He then took it upon himself to enter my business name and EIN which is on my website, along with my contact info and ssn, in an online application -- which was of course denied because my bankruptcy is only 4 years out. My wife had XXXX --. She almost died. Bad. XXXX polyps in her Colon at aged XXXX and a XXXX  in her XXXX the year before. 

I asked him why he needed my ssn and he said it was for parental employment authorization. I've been hounding him about applying for part time summer work. 

Now I have this hard pull on my credit report. I sent a certified letter to Citibank and they never got back to me. I called three different numbers tonight, only to be put on hold with an off shore customer service agent, that gave me the direct number to fraud -- and they were closed. The vm for Citibank fraud at XXXX XXXX XXXX did say to contact the FTC, but this is wrong I believe since the CFPB handles credit card issues.

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 2022-07-05 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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