vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST

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 2022-04-14 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: TX

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
In XXXX of I was flying home from XXXX Florida to XXXX Maine with Frontier Airlines. During the flight they offered that if you opened a Frontier credit card you would get XXXXbonus miles if you used the card within 30 days with any purchase. NO Dollar amount was set, they said you could get a pack of gum. Then if you spent XXXX  in 6 months you could get XXXX  bonus points. They also said they would wave the annual fee for the first year. I opened the account and have flown with them twice since but the flights were cheap so I paid. I am ready to take another flight and was going to use my points. They show nowhere so I called Barclays they said I would have to call Frontier. I have been going back and forth with them with no resolve. I know what the issue is. 
Barclay is using acct number XXXX and frontier has an acct XXXX. I can not get them to understand that is what happened. all I want is the XXXX  miles I am owed applied to whatever account it needs to to work.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
It showing late payments for XXXX 2019-XXXX  2019 and its holding me credit down. I asked for a forbearance at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CA

Complaint narrative:
According to the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has Violated my rights. 

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

15 U.S.C 1681 Section 604 Section 2 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 2022-04-14 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: CA

Complaint narrative:
According to the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has Violated my rights. 

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

15 U.S.C 1681 Section 604 Section 2 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 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
They refuse to help me get my money. They will not allow me the ability to transfer the money nor close my account. I want my money plus interest every day They delay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
For almost 2 years, I have tried to get XXXX to update that status of an account that is OPEN but is reporting as CLOSED. I have disputed the item in effort to get it updated to correct information only for them to tell me that it has been verified by my loan company Ally Financial. I have up to date payments and documentation to verify that the account IS OPEN and ACTIVE yet even though I have contacted Ally and they are fully aware of the error in their reporting, they have yet to correct it on my XXXX credit profile.

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 2022-04-14 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I, a XXXX person have a Federal loan for my family 's home. In my loan contract with the Federal Gov. it does declare any violation of the FHA, which also includes discrimination, does allow for legal recourse done on my behalf against any party that violates my rights. Mr Cooper has been sent notices about previous discrimination and interference with contractual relationship and interfering with my payments. Currently Mr Cooper has discriminated against me by using my XXXX against me to treat me less favorably and where they sent money back I over paid and the way they sent it inhibits my access to that money and they are declaring how they may take my federal XXXX income and then show I overpaid on my escrow though are still allowed to inhibit my access to that money they sent and are refusing to fix the matter and continue to allow their employees to discriminate against me instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NV

Complaint narrative:
I don't owe anything to the following accounts : XXXX XXXX and XXXX XXXX  XXXX. They should have confirmed these from the Original Creditor since I have made my payment to them. Investigate these accounts thoroughly and make the necessary corrections or just remove the accounts automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TN

Complaint narrative:
This charge for the XXXX $ past due as of XX/XX/2020, was REMOVED for fraud, not once but twice and its effecting my credit score. I am exhausted with dealing with this. This needs to be REMOVED completely. I have contacted the company the same 2 times and they charged it off but WHY does it keep coming back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I have resolved this matter with the bank but XXXX is refusing to remove this from the file. The reported information has stopped me from getting bank accounts with other banks and creating business relationships with other banks. I have contacted the bank and they advised that i will need to get XXXX to remove it.

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 2022-04-14 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: NC

Complaint narrative:
I have two XXXX XXXX accounts on my credit report that is closed and been closed since XXXX. I recently checked my credit report and noticed that Experian has been continuously reporting XXXX  every month up until XXXX. I sent two letters regarding this issue so they can fix this issue on XX/XX/XXXX. I have not received a written response back from Experian regarding these two accounts and have not received my credit report. It is against my rights for them to refuse my request. When I look at my credit report both accounts are still being reported as XXXX, which will keep updating and it will not fall off my in the timeframe of 7 years. This is illegal as stated by FCRA I would like both accounts deleted and to be paid a {$1000.00} settlement for this violation. When I look at any other accounts on my credit they stopped reporting XXXX  when the account is closed, how can these two accounts continuously report XXXX  every month? It will never fall off my credit if so and thats a violation!!!!! I intend to litigate if this continues. XXXX  XXXX account XXXX and XXXX  XXXX account 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 2022-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Bank, 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX has violated my rights. 

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

15 U.S.C1681 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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company is Portfolio Recovery. Calls every day 3 to 4x times daily. I have blocked them but they still keep calling. Sometimes with different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/2022 I was contacted by a USAA Customer service rep indicating that I had a fraudulent transaction made in Kentucky which I stated I did not complete. During this call, they sent a text to validate my account. At this time, my account was taken over by the XXXX on the line. The fraudster then made an unauthorized transfer to my account which later returned for insufficient funds on XX/XX/2022. 

Once the call was ended with what I thought was the USAA customer service member I received an email indicating I had completed a Wire Transfer for {$9900.00}. At that time I called USAA to file a claim stating my account was taken over I was scammed and I have no access to my online banking account as the Fraudsters had changed my account log in. 

I called USAA on XX/XX/2022 to get a status on my claim but they stated it was under investigation and I would receive a call back, they stated that it will be three more days but I never received a call back. On XXXXXXXX XXXX i called back and they dept had already left for the day. 

On XX/XX/2022, I called for another status check and discovered that they have not opened a claim for my fraudulent wire transaction that I had filed a claim for on XX/XX/2022. So on XX/XX/2022, the claim was opened and a recall of the funds was attempted ( XXXX weeks after I reported ). 

USAA has violated regulations and procedures according Regulation J. 

Today ( XX/XX/2022 ), I was told I would receive a call back from the Fraud Team. When they called me back they could not provide a status but it was " under investigation '' and that another fraud team member would be calling me back since they could not provide any details to my claims. Again, I called in and requested a call back from the Fraud Team, when they called me they then said they would need to put in a request for the Fraud Team to place ANOTHER call back. 

USAA has dropped the ball a few times here and I'm at a loss of how to recover the {$9900.00} that was transferred out of the account when it was taken over. USAA reps continue to pass me around and never provide details just that a call back will be made but I have lost confidence. 

Thank you! You are my last resort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MI

Complaint narrative:
XXXX XXXX XXXX. {$23000.00} XX/XX/2017 I disputed it and XXXX and Transuion Will not remove it from my credit report the company is not responding to me XXXX removed it already. They are Violating my Consumer rights I have been taking advantage of and effecting my buying power and Betraying my reputation.

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 2022-04-14 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: MI

Complaint narrative:
XXXX XXXX XXXX. {$23000.00} XX/XX/2017 I disputed it and Experian and XXXX Will not remove it from my credit report the company is not responding to me XXXX removed it already. They are Violating my Consumer rights I have been taking advantage of and effecting my buying power and Betraying my reputation.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I called to apply to an emergency loan of {$1000.00} that the XXXX XXXX  XXXX have advertised and I can't process it in their online webpage as other applicants. I then wrote y XXXX XXXX and sent the application submitted that in the first attempt gave me an error, I believed that they are making physiching with the people that visit their webpage but I applied again. Then I received calls of the institution and received an email of the manager requesting me application documents, I sent and never told me neither notified me that the emergency loan was denied. I checked my TransUnion credit report and saw their institution listed on my inquiries they denied the loan based on my credit report during a pandemic disaster. I am a natural declared disaster and declared disaster survivor and my credit reports were impacted because the banking institutions making unauthorized charges after closed accounts in the middle of the disasters and did not provide me any payment arrangements neither moratorium, I make several disputes and submitted statements but the institution used my credit report to denied my loan. They are not approved my loan in less favorable terms than other applicants, in discriminated actions against me.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, 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: PR

Complaint narrative:
I called to apply to an emergency loan of {$1000.00} that the XXXX XXXX XXXX have advertised and I can't process it in their online webpage as other applicants. I then wrote y XXXX XXXX and sent the application submitted that in the first attempt gave me an error, I believed that they are making physiching with the people that visit their webpage but I applied again. Then I received calls of the institution and received an email of the manager requesting me application documents, I sent and never told me neither notified me that the emergency loan was denied. I checked my XXXX credit report and saw their institution listed on my inquiries they denied the loan based on my credit report during a pandemic disaster. I am a natural declared disaster and declared disaster survivor and my credit reports were impacted because the banking institutions making unauthorized charges after closed accounts in the middle of the disasters and did not provide me any payment arrangements neither moratorium, I make several disputes and submitted statements but the institution used my credit report to denied my loan. They are not approved my loan in less favorable terms than other applicants, in discriminated actions against me.

Company response to consumer: Closed with explanation