vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account name 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 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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account name 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 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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2022-09-30 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: NE

Complaint narrative:
see CFPB complaint XXXX The account became past due because of the handling of the termination by XXXX to get to the resolution ( to extend ). I requested that they make sure that there is no negative reflection my credit as a result. Unfortunately, the additional feedback did not resolve the credit reporting, so I filed a dispute through Equifax. 

Upon filing a dispute with XXXX to correct credit reporting they have reported me late for their mishap with handling of my lease termination. I would have never been late, if they had initially accepted to extend my lease and accept payment. As such, I request the late history deleted. My score tracker with my monitoring service is XX/XX/685, XX/XX/686, XX/XX/706, XX/XX/642 XX/XX/657 and XX/XX/629 - since XXXX that's XXXX points down which I'm sure we can attribute to this misreporting that I noted trending downward in XXXX to make the dispute. Also, the car has been turned into the dealer, but they are showing as of XX/XX/30 a balance owing. This makes me really upset that they can not get this right and I'm scheduled to lease from them again all of which this bad service and negative reporting is effective my cost of credit and use of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
For over a month I have repeatedly reached out to MOHELA for a refund of all payments on my account since the student loan repayment pause began which I am entitled to. This is a time sensitive matter and when calling their phone lines I keep getting disconnected. Before getting disconnected I sometimes am quoted a wait time estimate of over 2 hours which is completely unreasonable. Their web portal says I will receive a response within 10 days. I sent messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without a single response. When looking online for a solution I found no solution but found many others who are in the same situation as me, zero responses on their web portal and wait times that last longer than the quoted time before getting disconnected or having to hang up to get on with life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have paid off 5 accounts on my credit report that has been posted and I have already paid it off

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 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: KEYCORP
State: NH

Complaint narrative:
I don't consent to yearly hard credit pulls as it hurts my credit. Most mortgage lenders only do soft pulls or reviews. By KeyBank doing yearly hard pulls, they are destroying my credit score which is counter intuitive to their purposes, unnecessary for them, and damaging my financial status. I just had a hard credit pull by KeyBank and I want it removed and any future ones without a good reason, to be soft pulls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have filed numerous complaints against XXXX, XXXX and Trans Union for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, TransUnion has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has XXXX  obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  and XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all Credit Reporting agencies shouls be deleted.

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: IL

Complaint narrative:
I try to take money out of the ATM and it says please contact your finacial institution. 
When I call the XXXX it says " We are currently experiencing high call volumes, please call again later '' and hangs up on me! 
They promise " 24/7 '' customer support. I am a XXXXXXXX XXXX  service conected XXXX veteran who can not pay his bills. I don't care if you tell me I have to be on hold for a hours just don't hang up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My wife would like to pay down on the principle on our mortgage. She wants to speak with someone in Mortgage at XXXX ( XXXX ) directly. Please bare with me in explaining my problem. XXXX has an XXXX number that when used by the caller ask for SS # or checking account number. Here is the problem. My wife doesn't ( and I mean literally doesn't ) know our checking account number, neither does she know the password to the account. This is all factual, She doesn't know it. My wife hates internet banking, and prefers to pay her bills over the phone or pay creditors by mail. All we are asking is that XXXX provide a direct phone number to their mortgage department. A supervisor by the name of XXXX said that XXXX has no direct number to their mortgage department. I asked her to repeat that, and she did. It is hard to believe that this bank wouldn't have a telephone number per their mortgage department. If we are successful in a getting a number to mortgage, my wife will provide her name, her Social Security number, the address of the home, the name of the second name on the mortgage and the last four digits of my Social Security number. From there she would like to give the account number of her bank and the routing number of her bank for which she would like have money withdrawn from and forwarded to XXXX towards our mortgage. Again having the phone number XXXX mortgage is all we're asking... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected brands such as XXXX ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I refinanced my mortgage with XXXX XXXX  company in XXXX. They placed the account with XXXXXXXX XXXX XXXX XXXX  which is their collection dept. I paid this mortgage off, XX/XX/XXXX. My payments were never delinquent, but because they placed it in the collection department its a negatively impacts my credit score

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am XXXX XXXX XXXX living in a XXXX XXXX XXXX called XXXX XXXX in XXXX, Illinois. Monthly, I receive through direct deposit, my three Pension Checks : 1. Social Security Administration Pension 2. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX IL XXXX XXXX ) These funds are taken from my Account at Huntington Bank from the XXXX XXXX XXXX  through ACH, XXXX pays the remaining bill. 
My son XXXX XXXX XXXX is on my Accou0nt as a beneficiary and has my Power of Attorney for Health and Financial dealings. There is a freeze on my Account and I can't pay for my living expenses. Insurance and living expenses. This freeze occurred around XX/XX/2022. My son XXXX XXXX also has an account here and is a senior receiving federal protected benefits like myself. His Account is also frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I opened a line of credit with Upgrade on XX/XX/2022, which is NOT reporting to the credit bureaus, why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-09-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Commencing on or about XX/XX/2021 through XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX, XXXX ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the client losses to gains.

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