vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-19 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: PA

Complaint narrative:
Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent. 

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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:
Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2019, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.

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 2022-06-19 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: PA

Complaint narrative:
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 2022-06-19 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: PA

Complaint narrative:
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 2022-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one was FULLY paid, this was2018 i was a kid who didnt understand money, finances or banking i was only XXXX XXXX XXXX and I paid the entire bill soon as I understood what the account being overdrawn was from. 
This item has been paid years ago since 2018 and i am trying to open a business, and start my life and you are holding me back from doing that because you continue to keep this on my record but it is FULLY PAID OFF.. This is nonsense its been years since the account was opened, I demand this be removed or i will take legal action in additon, there has been no proof or correspondence explaining where all these fees came from, how they were charged and if they were correct nor who charged them. I have filed disputes and you keep ignoring them i demand this account removed from XXXX immediately without any further delay. This is absurd, harrassful and horrible to do, in addition i was treated unfairly by staff when i questioned these fees, and no one would assist me in learning the process or explaining the fees and process. YOU failed me at this level and i am demanding that the very least you remove this from XXXX XXXX today you have punished me enough I WAAS A KID who never had an account before i had no idea what i was getting my self into. if it is not removed i will go to social media, news, and take legal action and sue you! REMOVE THIS FROM XXXX XXXX RIGHT NOW- I WILL PUBLISH THE ABUSIVE MANNER YOU HAVE HANDLED A NIEVE KIDS EXPERIENCE AND MAKE IT PUBLIC SO PEOPLE KNOW NOT TO USE YOU AS THEIR BANK AS YOUR NOT TRUST WORTHY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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:
In accordance with the Fair Credit Act XXXX XXXX XXXX  I 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.

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 2022-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TX

Complaint narrative:
On XX/XX/2022, XXXX XXXX XXXX XXXX XXXXXXXX, acknowledged that I have a XXXX balance with XXXX, case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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:
In accordance with the Fair Credit Act XXXX XXXX XXXX I 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.

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 2022-06-19 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:
In accordance with the Fair Credit Act XXXX XXXX XXXX  I 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.

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 2022-06-19 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 Act XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
BANK OF AMERICA was FULLY paid, this was XXXX  i was a kid who didnt understand money, finances or banking i was only XXXX XXXX XXXX and I paid the entire bill soon as I understood what the account being overdrawn was from. IF THIS IS FRAUD OR ABUSE PROVE IT LET ME SEE THE DOCUMENTS REQUIRED BY LAW, IF NOT REMOVE IT AS I PAID BANK OF AMERICA IN FULL AND THIS IS SINCE 2018 IT HAS BEEN YEARS EITHER FOLLOW FCA RULES OR REMOVE NOW OR I WILL SUE This item has been paid years ago since 2018 and i am trying to open a business, and start my life and you are holding me back from doing that because you continue to keep this on my record but it is FULLY PAID OFF.. This is nonsense its been years since the account was opened, I demand this be removed or i will take legal action in additon, there has been no proof or correspondence explaining where all these fees came from, how they were charged and if they were correct nor who charged them. I have filed disputes and you keep ignoring them i demand this account removed from XXXX immediately without any further delay. This is absurd, harrassful and horrible to do, in addition i was treated unfairly by staff when i questioned these fees, and no one would assist me in learning the process or explaining the fees and process. YOU failed me at this level and i am demanding that the very least you remove this from XXXX XXXX today you have punished me enough I WAAS A KID who never had an account before i had no idea what i was getting my self into. if it is not removed i will go to social media, news, and take legal action and sue you! REMOVE THIS FROM XXXX XXXX RIGHT NOW

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 2022-06-19 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 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 2022-06-19 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: GA

Complaint narrative:
I noticed a credit card account on my credit report and two inquiries that does not belong to me : XXXX XXXX... Account Number XXXX Date Account Was Opened XX/XX/XXXX I noticed two unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX... Unauthorized Inquiry ... 1XX/XX/XXXX XXXX... Unauthorized Inquiry ... XX/XX/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 2022-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received student loans initially in XXXX. After graduating I work for XXXX XXXX agencies and was under the impression that after a certain amount of time my loans could be XXXX. However, Navient continuously steered me towards some sort of forbearance. And I was fooled into thinking they were helping me. I applied for a discharge while receiving XXXX XXXX XXXXXXXX XXXX and was denied. I struggled for years financially due to my XXXX I feel that the tactics of Navient were calculated in order to keep individuals in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan with no proper notice XX/XX/XXXX. The only way I was made aware was when trying to obtain mortgage documents for current re-finance in XX/XX/XXXX. The requets for documents was made twice in XX/XX/XXXX via phone and neither request was satisfied. No accessable phone number for me to call XXXX. Emails to previously answered email addresses with XXXX are not replied to. Online access to XXXX is disabled. 
Further when I called XXXX in XXXX the calls are directly routed to Mr. Cooper loan servicer. 
Mr. Cooper has no information on my loan when I was transferred directly and automatically to them from XXXX publicly listed phone number. 

XX/XX/XXXX via U.S.P.S. first-class mail presorted XXXX postage XXXX XXXX XXXX no. XXXX documents were received at XXXX XXXX XXXX, XXXX in regard to loan transfer to Right Path Servicing ( RPS ). The notice stated the mortgage was transferred XX/XX/XXXX and payment is due to RPS XX/XX/XXXX. Also stated that private mortgage insurance is necessary on this loan? PMI was no previously needed? XXXX has not reported to credit bureau on mortgage note since inception.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
The debt was deleted off my credit file and has been reinstated today showing on my file i have proven time again its not my debt my information was fraudulent used i have written, disputed, filed reports and notified the collector and credit bureaus. This item needs to be off my file and with new laws not reporting medical debt on those grounds it should not be on my report. This is violation to my rights.

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 2022-06-19 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:
In accordance with the Fair Credit 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 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 2022-06-19 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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:
In accordance with the Fair Credit Act XXXX XXXX  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.

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 2022-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I continue to get bombarded with marketing emails from Mr. Cooper and Nationstar Mortgage after opting out of solicitations on XX/XX/XXXX at XXXX central. I have also set my preferences on the Mr. Cooper website to not send emails. These emails are intrusive and come very frequently - several times a week. I am not interested in refinancing, not interested in getting an appraisal, borrowing against my house, etc. I just want to make the minimum payment on my mortgage. 

Emails include but are not limited to : Subject : House hunting? Get complimentary access to experienced agents. 
Date : XX/XX/XXXX XXXX XXXX  Subject : See how much debt you can pay off. Get your complimentary analysis now. 
Date : XX/XX/XXXX XXXX Subject : XXXXOffer waiting : XXXX, claim your {$550.00} rebate before it expires Date : XX/XX/XXXX XXXX XXXX  Subject : Please review : Get summer budget relief Date : XX/XX/XXXX XXXX XXXX  Subject : Starts today : Were knocking {$550.00} off your appraisal fee Date : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was paid a very good amount by my new employer on XX/XX/2022. My new employer is also helping me monetarily so I can get back on my feet after not working for over a year taking care of my XXXX XXXX XXXX XXXX XXXX veteran grandfather. My deposited check was first approved and my bank gives {$220.00} right away so I will have some money available for a couple days before they deposit the entire amount. I have never had an issue with this before. This time, after the notification of my approved deposit, they sent a different notification saying that it will be held for over 5 days to " protect me from fraud '' and the weekend days involved. I contacted them to find out exactly why this is even a situation because I have never deposited a fraudulent check and I have also deposited amounts larger than the current with no issues before. I was told that the check is being held by the Federal Reserve to verify that the funds would be available from the company writing the check. I was also told that one of the reasons this situation has risen is because they had experienced questionable checks from the same source before and it had absolutely nothing to do with my previous actions. After researching these claims I found out that it was a total lie from the representative I spoke with. I called the Federal Reserve and verified that they were not the one holding my check at all. I also spoke with the General Manager at my new employment and verified that there has never been fraudulent checks written from the business and another new employee was able to cash their check at their own bank with no issues at all. I called my bank again and spoke with a supervisor and only told that it will be requested to be re-reviewed and possibly cleared a couple days earlier than the 5 day to 7 day time frame I was originally notified of. The supervisor did not verify anything, the first representative I spoke with, was true. He also did not say that I was the main reason for the hold. I was given no proper explanation at all. I am complaining because this is a situation that is completely unacceptable behavior from a financial institution that has never experienced fraudulent activity from a customer before. Things like this should not be allowed to happen to people that are trying to back on their feet with help from others understanding the person 's current situation. Completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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:
In accordance with the Fair Credit Act 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 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 2022-06-19 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 Act 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 an account without my written instructions.

Company response to consumer: Closed with explanation