vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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:
Privacy and confidentiality under 15 U.S.C. 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 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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
Consumer complaint received 2022-12-28 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: FL

Complaint narrative:
I am intrested in disputing all incorrect information on my credit report with Experian. checking the file ive noticed alot of invalid information. I am intrested in correcting all the errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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:
Privacy and confidentiality under 15 U.S.C. 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 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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 2022-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Loan # XXXX On Wednesday, XX/XX/2022, at XXXX XXXX  CST, XXXX. XXXX XXXX wrote : To Whom This May Concern : We need all timely filed records and official and legal records generating my signatures on the contract. 

Everyone clearly knows what I am asking for and requesting. 

Chase Bank of Financial institution needs to be sending me the Department of the Army Records and Department of Veteran Affairs ' legal records and the Department of Veteran Affairs ' Appraisal record certification on this property on the proper starting date from XX/XX/XXXX - XX/XX/2022, and after XX/XX/2022, to this date. 

I still have not received any official and legal record from Chase to support their statement or claim as to why this deal was not closed on the date and time it should have been closed. 

I still don't have your official and legal records from my employer or anything from my employer showing support records to support such a statement of record. 

If this is not discrimination, then please explain to me what discrimination under the law is. 

The attached records are returned for more work. I am not going to agree to end anything until I get the PROPER RECORDS that I am asking for. 

This process is very simple people. I do business that is legal, accurate, proper, and correct, and not business just done any kind of way that is not legal, accurate, proper, and correct. Explain to me what I did wrong and what I failed to do in this process, and I will counterclaim your statement with my PROPER RECORDS. 

As soon as Chase Bank turns over those professional records they should have been verified by now and if the seller still wants to terminate this agreement, then he can do so. 

Chase should be talking to my legal counsel of records on file to get any legal records they may need or should have used in the parts of this process ; therefore, your records must be PROPER RECORDS and sworn and certified under a sworn affidavit under oath with proper signatures in blue OR black ink.

Chase Executive Office still knows that their consent records are still outstanding as of you receive this email notification. 
All your records will be used and are needed in other legal records. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I just received a letter showing my unsubsidized portion of the consolidated loan has 61 qualifying payments, which reflects the months of employment I certified. The statement only shows 55 qualifying payments for my subsidized portion though. MOHELA is required to service my consolidation loan as one singular loan, and that loan should have 61 qualifying payments. I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously counted my qualifying payments. 
I had loans in XXXX as well as loans in an in school deferment. I also consolidated my loans, as Federal Student Aid announced that if the loans were consolidated and employment was certified during the waiver ( prior to XX/XX/2022 ) I would be awarded the highest qualifying payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: HI

Complaint narrative:
Aloha! 

I am a homeowner on XXXX, Hawaii and I have a mortgage with Plaza Home Mortgage company. I applied for the PMI removal process in XXXX of this year and on XX/XX/XXXX I received email confirmation that I began the application process to do so with the company. It took several months for them to even generate the necessary documents for the next step. I submitted these documents with a non refundable check for {$450.00} to pay for the required appraisal. They insist the appraisal must be done through their approved agency. The check was cashed XX/XX/XXXX. I still have not received any indication that they intend to schedule this appraisal. I call in on a weekly basis where the same script is recirculated we are escalating your case They continue to stall claiming the department is backed up or that my request was accidentally cancelled. They claim I am entitled to a refund for the time I have been waiting. My Loan-to-Value is well above 80 % needed to remove the PMI and its my belief the company is attempting to stall this process until the housing market recedes. XX/XX/XXXX will be the XXXX month in this process, 5 months since they cashed my appraisal check, and no progress has been made. Im not sure what steps to take next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
Privacy and confidentiality under 15 U.S.C. 1681  XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX ( ALL THREE HAVE INCOMPLETE ACCOUNT NUMBERS ) ..... 


15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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
Consumer complaint received 2022-12-28 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:
Privacy and confidentiality under 15 U.S.C. 1681 XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX ( ALL THREE HAVE INCOMPLETE ACCOUNT NUMBERS ) .....

15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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 inaccura
te.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im a natural person, a living human being, I have filed complaint after complaint to inaccurate accounts information with no proof of verification of information reporting company has on file ,30,60,90 days complete refusal. I have rights under 15 USC1681 Experian and creditors is governed by 15 USC 1681 and they have violated my rights numerous times. I demand the listed accounts/ attached below be deleted because according to 15 USC 1681 I have the right to privacy and I did not give credit reporting agency written instructions/permission to furnish these accounts- Section 623 ( a ) ( 3 ) missing notice of disputed account - Section 611 ( a ) ( 1 ) failure to investigate items in 30 days gives reason to delete- 15 USC 1681e ( b ) accuracy of report - 15 USC 1681n Civil liability for willful non compliance- 15 USC 1681s-2 ( b ) reporting of information after notice of errors- 15 USC 1681i ( 5 ) ( A ) ( i ) treatment of inaccurate or unverifiable information provide in case of dispute accuracy by credit reporting agency, and per my request refusal to remove personal information, old address and names

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: WV

Complaint narrative:
On XX/XX/2022 a hard credit inquiry was put on my Trans Union credit report. On XXXX XXXX ( XXXX ), this is listed as : XXXX XXXX ( Finance ) In XXXX XXXX 

On Trans Unions website, it is listed as : XXXX XXXX XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Inquiry Type Individual I contacted XXXX XXXX by both web chat and phone. They could not find any new applications that would cause this inquiry, for my SSN. XXXX recommendation was to contact Trans Union, to find what the exact type of account, because XXXX can not investigate the situation without the full information. 

I contacted Trans Union, and they told me the hard inquiry can not be removed from my account without both me and XXXX XXXX  postal mailing Trans Union the proper documentation to have this removed. I told the Trans Union rep that XXXX could not find anything and could not investigate without further information. The Trans Union rep said, We can't disclose these kind of information 's since this inquiry has raised from their side we need a letter of authorization from their side in order for us to remove from the report. 

This may have been a potentially fraudulent account application at worst and an annoying ding to my credit score at the least. I had no part in this making its way onto my credit report and neither Trans Union XXXX XXXX XXXX  seem to be willing to help me with the situation. Slow walking and stone walling this process is not acceptable. 

I contacted XXXX and they told me exactly what I needed to tell XXXX to dispute this as fraudulent. I called XXXX XXXX  back and read them exactly what I was told to say. They looked it up with my SSN and transferred me to the XXXX XXXX XXXX. They couldnt give me any further information, and suggested I contact Trans Union. 

At this point, Im really not sure how to proceed, since neither is willing to give me any information or help in the slightest. Anyone have an idea on how to go about resolving this situation? 

Note : The inquiry is showing up as XX/XX/2022 on Credit Karma and Trans Union. It is showing up as found on XX/XX/2022 on XXXX. I can not currently log back into Trans Union to get the documentation directly from their site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
To Whom It May Concern : XXXX XXXX and JPMCB- Auto Finance has violated my right to privacy, by reporting inaccurate information on my consumer report.I have reached out to these companies via : U.S . Postal Services pertaining to these alleged accounts.

According to 15 USC 1681 Section 602 A. States I have the right to privacy.

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

According to 15 USC 1692 j ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participainting in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). Transunion, XXXX and XXXX refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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:
Privacy and confidentiality under 15 U.S.C. 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  15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a Citibank costumer for the past XXXX plus years. I was recently the victim of bank fraud in the form of XXXX stolen checks. Thanks to a very supportive and resourceful employee at my local branch I was able to recoup the amount of XXXX of the checks fairly quickly. Getting back the second check 's funds ( {$2100.00}, made to XXXX XXXX, cashed XX/XX/2022 ) however, has been a nightmare. Citibank maintains they are fully insured against fraud, and that this check is part of the same problem we had with the other one, but they have refused to issue provisional funds to my account while they conduct the investigation. In fact, they been stalling me for XXXX plus months -telling me that the process is now in the hands of XXXX XXXX XXXX -a financial institution I have no relationship with whatsoever, and that therefore has no interest in resolving the matter. When I call Citibank costumer service for updates they tend to be not only unhelpful, but rude and dismissive. The paperwork I receive, via e mail ad snail mail, on the case is irrelevant or, even worse, promotes Citibank 's other services. The personnel at the branch, on the contrary, tries to help. But all their promises to follow up go nowhere as it turns out they really have no direct access to details of what is going on and to the person charged with investigating my case. They are powerless by design, just like I am. In the middle of this Kafkaesque corporate scenario, I have been paying bounced checks penalties ( the account had to be closed so payments that were out were rejected ) and late payment utilities fees, while XXXX XXXX is charging me interest on the missing {$2100.00}. It's really hard to believe that the financial institution in charge of protecting my funds and my interests is doing such a poor job at both. The functioning of their fraud operations seems hill conceived to the point of adding burden to the victim, rather than helping her/him restore what was stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
Privacy and confidentiality under 15 U.S.C. 1681 XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX ( ALL THREE HAVE INCOMPLETE ACCOUNT NUMBERS ) .....

15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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 inacc urate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
RECENTLY, I LOOKED AT MY CREDIT REPORT AND IT BROUGHT ON A TREMENDOUS SADNESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.THIS IS HARMFUL TO MY HEALTH AND A DEFAMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DID NOT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) accuracy of reportof the United States Code 15 usc when a consumer reporting service creates a report on an indivdual, they are required to take reasonable measures ensure accuracy

Company response to consumer: Closed with explanation