vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX number XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX  XXXXXXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Our mortgage servicer had been XXXX XXXX  XXXX. In years past, we've had our earthquake insurance paid out of our escrow account. When they missed that payment and we had to pay that premium out of pocket, we submitted CFPB Complaint XXXX, to which XXXX XXXX  responded and they corrected the problem in future years. 

Earlier this year ( XXXX  ), our mortgage servicing was transferred to Freedom Mortgage. We received a notice of cancellation from our earthquake insurance carrier, XXXX XXXX On XX/XX/2022, I called Freedom Mortgage to inquire. After a XXXX phone call, I was told that I should cancel my regular ( that is, non-earthquake ) homeowners ' insurance, which was wrong. Eventually I was able to communicate the issue to the representative, who told me in no uncertain terms that Freedom Mortgage would not be paying our earthquake insurance premium out of our escrow account. I paid the premium out of pocket ( {$490.00} ) to avoid cancellation. 

Our earthquake insurance premium was paid out of our escrow in years past, so our current escrow account payment projection, and thus our payment, would have included it. We are now paying an amount into escrow that we had to pay out of pocket as well. We did not ask that our mortgage be transferred to another servicer, and we receive no benefit from our loan being transferred to another servicer, but we are now poorer for the transfer having taken place for someone else 's benefit.

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 2022-08-16 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: MO

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-08-16 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, XXXX XXXX XXXX, personally authorize & sent this complaint for a second time. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy under 15 USC 1681 : XXXX XXXX  XXXX Credit Card with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX  account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

15 U.S.C 1681 section 602 A. states I have the right to privacy, confidentiality, and accuracy.

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

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

15 U.S.C. 1681a-2 ( A ) ( i ) states any report containing information solely as to transactions or experiences between the consumer and the person making the report are to be excluded from all consumer reports.

15 U.S.C 1681c. ( a ) ( 4-5 ) Section states no consumer reporting agency may make any consumer report containing any information regarding accounts placed for collection or charged off to profit and loss, and, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-08-16 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: CA

Complaint narrative:
I, XXXX XXXX XXXX, personally authorize & sent this complaint for a second time. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy under 15 USC 1681 : XXXX XXXX  XXXX Credit Card with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX  account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

15 U.S.C 1681 section 602 A. states I have the right to privacy, confidentiality, and accuracy.

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

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681a-2 ( A ) ( i ) states any report containing information solely as to transactions or experiences between the consumer and the person making the report are to be excluded from all consumer reports.

15 U.S.C 1681c. ( a ) ( 4-5 ) Section states no consumer reporting agency may make any consumer report containing any information regarding accounts placed for collection or charged off to profit and loss, and, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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:
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 remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX ( Charge Off/Closed ) Acct. # XXXX XXXX XXXX XXXX ( Charge Off/Closed ) Acct. # XXXX XXXX XXXX  ( Charge Off/Closed ) Acct. # XXXX XXXX XXXX  ( Collection ) Acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act " XXXX XXXX XXXX XXXX '' file or 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 2022-08-16 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: MO

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX* Balance : {$600.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-08-16 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: MO

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She had to be taken by XXXX XXXX XXXX, XXXX XXXX XXXX. I was told by the hospital it was covered by insurance, only to find out later this ambulance service accepts no insurance! They are billing me {$8300.00} for a one way trip to the facility she needed to go to. In addition, they are charging me another {$1700.00} plus dollars for a 10 minute ride to the hospital from my house! These charges are beyond excessive. I wrote XXXX repeatedly and explained to them I can not afford this bill. I asked for financial reprieve under finaicnaoil stress situation. They never responded. I am a single mother. My children 's father XXXX XXXX XXXX XXXX years ago. Now they have me in collections. This bill falls under the " No Surprises Act '', as I have private health insurance and this company would not accept my insurance. You are not given a choice at a hospital which ambulance to use. Their XXXX XXXX XXXX program is only for those at federal poverty level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I recently opened a new account with chase. A few months after opening the account I realized I had several false charges and some of my funds that I had deposited into the account had been handled improperly. However I after disputing the transactions and filing a claim for fraud and receiving my new bank card. I realized that the bank had sent me a card with similar numbers to an individual who had already had an account with chase using my name. The individual being my cousin XXXX XXXX XXXX. I do not know if the bank knowingly committed fraud or not however the individual has committed identity theft and fraud in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: GA

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-08-16 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:
I am a natural person, I am a human living being. I have rights under 15 USC 1681 Equifax is govern by USC 1681. And they violated my rights numerous of times. I demand the account listed be remove because.

According to USC 1681 : I have the right to privacy and i di not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
Unfortunately I closed the account so I can not get the details for dates but I purchased an XXXX right before the pandemic hit on my target credit card. I was unable to get logged into the account and I never sign up for paperless statements. I was waiting on the paper statement when the pandemic hit and it slipped the priority list. I've had a card with target for nearly a decade. They switched me to paperless and I didn't know. Never got a paper statement and they called. I paid immediately then the next month they hit my credit report. The lady even reimbursed the late fee! Never a late payment. I've also had issues with the target debit card charging multiple times for one order on my money market account which then puts me over my transaction limit but besides the point. I contested with Target and they would not help me out even with the pandemic at the time. It's hurt my credit score and still 2 years later it's not rebounded. Are you able to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I submitted my complaints and disputes XX/XX/2022, on XX/XX/2022 experian sent an email stating they were investigating, in their response to this complaint they then stated they received the challenges XXXX XXXX XX/XX/2022, I will attach the email they sent me on the XXXX of XXXX. Again they ( experian ) are committing fraud and misrepresented information deliberately. They have staff who are directly attempting to sabotage my credit report for personal gain, my complaints and inquiries continue to go to the same staff who refuse to adhere to federal and state mandated legislation. They should be sanctioned and reprimanded forthwith.

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 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I received 2 Square Debit cards on or around the dates of XX/XX/XXXX to XXXXXXXX 2022 from Square , Inc. I did not sign up to receive these cards and did not notify Square , Inc. that I wanted them. The cards were sent to my home address as 2 separate mailings. Both of the cards have my social security number listed in full on the front of the card. In addition, my full social security number was included between my name and mailing address and appeared in the window pane on the envelope that was sent to me with the cards. A representative from XXXX XXXX XXXX XXXX and myself called Square , Inc. on XX/XX/2022 and XX/XX/2022 to let them know of these issues. During those calls, we informed the customer service representatives at Square , Inc. that the cards are fraudulent, to close/cancel them, and to do what it takes to remove them from my credit report/alerts. During both of the calls, we provided the representatives with my e-mail address and cell phone number to correspond. The representatives indicated that they would follow-up with me after each call to discuss/review next steps and the process to clear my credit. As of today, XX/XX/2022, I still have not received any follow-up correspondence from Square, Inc. regarding the fraudulent cards nor how they will clear my credit reports.

Company response to consumer: Closed with explanation