vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( XXXX XXXX XXXX  ) It has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

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 2023-10-15 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( XXXX XXXX XXXX  ) It has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX, due to identity theft, a person was able to access my Experian account. They were able to actually change the email address on my Experian account. This person was able to do this because unlike most services, Experian inexplicably does not offer XXXX factor authentication on their accounts. Anyone who knows some basic information about a third party can relatively easily fraudulently access the Experian account of that person. Someone who has already stolen data like social security number can use this stolen information to gain access to an Experian account. This is what happened to me. 

When I found this, Experian did lock my account. They advised me to send in certain verification materials, such as proof of residence, legal photo identification, etc. I did this and confirmed via XXXX that my materials were delivered to Experian on XX/XX/XXXX. These investigations are supposed to take XXXX business days, but it has been more than 2 months and I have heard nothing. When I email to ask about the status, I only get extremely vague answers, like this XXXX from XX/XX/XXXX : " Since there is a lot of pending request, Please wait for the confirmation email. '' It has been almost a month since then and nothing. 

I need to lift freezes on my Experian account to apply for a new credit card and for a credit check that will be done on a new apartment, but my account is locked due to this issue. There is no indication as to when it might be resolved.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX : XXXX Experian Dispute by Mail XXXX XXXX XXXX XXXX, TX XXXX XXXX : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 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. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ).

15 U.S. Code 1692c - Communication in connection with debt collection. I want all this information deleted. 

Remove inquires : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Late payments ACCOUNTS : Need removed BELOW. 

XXXX This account unauthorized remove late payments or account Remove names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 
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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are a few items on my report that I do not know of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and just got home there I see a XXXX  XXXX account I don't have and a support enforcement which I don't have. 

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 non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are a few items on my report that I do not know of. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and just got home there I see a XXXX  XXXX account I don't have and a support enforcement which I don't have. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested my free annual report from Equifax, this is my fist request ever, on the Annual Credit Report web site. Filled in all required personnel information as requested. Equifax then requested my email and mobile phone number, which I gave for them to send me a security text message. I responded with the 6 verification code. After a few moments my screen reloaded stating " just a moment '' but nothing happened, no text appeared, no report, nothing. I then returned to the " request a report '' screen reentered requested data following the steps that I previously did. A message for Equifax stated that I already received my annual report but I did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 convictions of crimes which antedates 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 2023-10-15 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 convictions of crimes which antedates 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 non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to inform you that I have recently reviewed my credit report and discovered unauthorized inquiries listed on my account. Upon careful examination, I have confirmed that these inquiries were not made or authorized by me. 

I have taken immediate action by filing an Identity Theft Report with the relevant authorities. Enclosed with this letter, you will find a copy of the Identity Theft Report, which provides detailed information about the unauthorized activities related to my identity. 

I request your immediate assistance in investigating these unauthorized inquiries and removing them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting 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: IL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Hi, I want to file a complaint against American Express about their misleading e-mail notification and misleading customer service response. It might be helpful to other customers who experience similar situations to consider applying an American Express Credit card. 

On XXXX XXXX I opened a XXXX XXXX Credit card which is the second credit card under my online account with American Express. The first credit card is XXXX XXXX XXXX. However, I was not aware that the auto payment was not set up in my new account and I never acknowledged that this account payment was overdue. 

There was never a mail or phone call to make me aware that my account was overdue, although they do have a lot of e-mails spamming my e-mail address with promotional offers. 

On XX/XX/XXXX, I found an e-mail saying my account was overdue but after I clicked on the email multiple times, it always redirected me to my old account which has XXXX in the overall balance. I thought it was a technical error but I proactively talked with an online agent, but the online agent cut off the connection and left me with no responses. 

On XX/XX/XXXX, I talked to customer service again and I realized the overdue happened on my new XXXX XXXX Credit card. The agent said, " Shall I process the payment for you and notate your account right away? '' and I responded, " I can set up auto payment on that ''. The agent then said, " Post that you will be all set. XXXX is indeed the best solution. '' On XX/XX/XXXX, I found the payment had not gone through with auto pay and I manually made the payment of {$1000.00} to avoid more troubles. 

Around XX/XX/XXXX, I was concerned about my credit score and I made a call to the American Express Credit Bureau department. The agent told me, that all penalties were waived already and the late mark would be removed from my credit report, and they asked me to check on XX/XX/XXXX. 

On XX/XX/XXXX, I found a late mark on my credit report and I made a call to the American Express Credit Bureau department again, but then I was told nothing they can do on their end. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I stop making a payment for few month ( like 4 month ) for accident and i am trying to Start making a payment again and they not acepte my payment, they put me on foreclusure and making paper for los metigation. I start working againt few monta ago but they dont accepted any payment the want me to pay the total amound.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 9 mortgages 8 of these mortgages are for XXXX XXXX one is for my personal residence. On or about XX/XX/2023 I received a letter that 5 of these mortgages would be transferred. These transfers were initiated by the mortgage companies themselves and I had no involvement in the transfer. Three of the mortgages were transferred from XXXX to XXXX. Another 2 were transferred from XXXX to XXXX. These are mostly old mortgages that I have been paying on for the better part of a decade and have a long history of making payments on time. They are still the same mortgages they were not refinanced. Problem is that all the credit reporting agencies closed the accounts ( yes all 5 of them ) and reported them as being new accounts. Typically this would not be a problem but withem doing 5 at once it appears that my credit score took a rather large drop. It appears that this is in the range of XXXX to XXXX points. I did open a new credit card and do a balance transfer but I don't think this would drop my score this much. I believe its related to the closure of these accounts. I could see it dropping if I refinanced or didn't pay, however they seem to have dropped my score because of something the banks did. Doesn't seem right. Could you please look into this. 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 explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX three fradulent checks were deposited using atm into my Chase Checking account for {$860.00}, {$890.00}, and {$980.00}. After the check amounts were credited to my account, {$800.00} was subsequently withdraw on the same day at an ATM. The following day Saturday XX/XX/XXXX two more fradulent checks were deposited to my account using ATM one for {$2300.00} and the other for {$890.00}. On XX/XX/XXXX three more withdrawals were posted to my account, one for {$1300.00} another for {$800.00} and another withdrawal that was made at an ATM on XX/XX/XXXX for {$500.00}. The next day on XX/XX/XXXX the deposit of {$2300.00} was returned due to ATM/Dep error then one week later on XX/XX/XXXX, two checks that were made on XX/XX/XXXX ( for {$860.00} and {$890.00} ) were both returned and my account became negative. When I noticed a couple days later on XX/XX/XXXX I immediately called Chase to inquire and dispute the fraudulent activities on my card. I was told my the banking associate that the transactions were made using my atm card and pin which I said was impossible since I had not lost my debit card, it was still in my posession and I have never disclosed my pin to anybody. Chase proceeded to close my account the following day on XX/XX/XXXX. Prior to my account going negative, my balance was {$940.00} ( {$700.00} excluding the fraudulent deposits ) and when my account closed I was - {$1700.00}. After i closed my account at the bank I was informed that I will get my money back and that the fraud department at Chase will notify me after investigation. I was advised to file a police report so I went and filed a report with the XXXX XXXX. Several days later, XXXX XXXX informed me that because the transactions were made in XXXX, I would have to go to XXXX to file a report. I lived in XXXX however so it was difficult for me to travel to XXXX especially after having all my money in my bank account stolen. I waited eagerly for Chase to get back to me and I finally received a letter in the mail that claimed after investigation they found the transactions were legitimate and I was responsible for paying the {$1700.00} back. I was unable to pay this amount and it was written off as a loss and I was banned from opening any other Chase account because of bad debt. But I was a victim from fraud and lost {$700.00} that was in my account prior to the first fraudulent check being deposited. I felt I was unfairly treated and never received the reimbursement for the money I lost because of Chases inabilty to safeguard my money and allowing fradulent activities on my account.

Company response to consumer: Closed with explanation