vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: FL

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

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

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-06-07 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I signed up for the XXXX XXXX XXXX card through Chase when they were advertising a {$300.00} bill credit on your first flight purchase. When we received the card, I called to a live person to activate the card, and I asked the gentleman twice on the phone to confirm that I was receiving the {$300.00} bill credit for the card I was activating, and twice he said yes. Based on that confirmation and in good faith, I booked a XXXX flight to XXXX. When the bill arrived and I noticed the {$300.00} credit was not applied, I called Chase on XXXX at XXXX to inquire, where I was informed I had a different promotion all together. I explained that I signed up for a different promotion, and I followed up when activating the card by asking specifically if I was getting the promotion of the {$300.00} bill credit and purchased the flight on that assurance I was, and she said she would have to send a marketing escalation request ( XXXX ). 

I called Chase again today and and spoke with XXXX XXXX out of the XXXX MO call center, and he advised they closed my claim and mailed me letter. I asked if they had listened to the recorded call when I first activated the card where the person confirmed my offer, and XXXX said they notes he could see indicate that someone did and confirmed my account, and despite that claim was still closed. I advised him the due date of the bill is the XXXX and I am still disputing the offer. He said he can only add a temporary credit of {$300.00} which will allow me to pay the diffrence without penalty, but it could very likely come back at a later time as the credit being rejected and me owing it on the the next bill. He did reopen another escalation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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 2022-06-07 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AFNI INC.
State: GA

Complaint narrative:
I closed my XXXX account XX/XX/2019. XXXX continued to bill me for services after that date. I had sold my house, disconnected and returned their equipment and vacated the premises. I refused to pay the charges past the date of cancellation so they've sent me to collection. I've received several notices from various collection agencies. I've responded to each one that I do not owe, nor with I pay this debt but have never received a single response. I'm responding to yet one more notice today from Afni , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX finance XX/XX/XXXX, 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: ACRANET INC
State: PA

Complaint narrative:
In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint against and there is no third party involved. All three major credit bureaus have my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate. The phone numbers are inaccurate, they dont belong to me. The employer section is inaccurate, I do not work for those places. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND all three of the major credit reporting bureaus TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. ALL THREE CREDIT BUREAUS are now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I demand All three credit bureaus to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said accounts ( Exhibits provided ). Also please provide me with their Verification method to verify said accounts.

In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against and there is no third party involved. All three major credit bureaus have my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate. The phone numbers are inaccurate, they dont belong to me. The employer section is inaccurate, I do not work for those places. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND all three of the major credit reporting bureaus TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. ALL THREE CREDIT BUREAUS are now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I demand All three credit bureaus to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said accounts ( Exhibits provided ). Also please provide me with their Verification method to verify said accounts.

In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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:
In accordance with the Fair Credit reporting act XXXX  account # XXXX and Account no # 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 an 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 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
My loan with XXXX was transferred to Mr. Cooper on XX/XX/XXXX. I had made a {$23000.00} payment on XX/XX/XXXX to bring my balance down to 78 % of the original loan value. I have been trying to get the PMI removed on my account. I have met all the criteria of the balance being under 80 % of the original loan value, all payments were made on time and payments were over the amounts that were due. I have asked Mr. Cooper to cancel the PMI but they said that I don't meet criteria and that my home has lost value so that I now need a new appraisal done in order to have this cancelled. I paid {$330000.00} in XX/XX/XXXX for a home with XXXX acres and they are saying that in this real estate market my home has lost value. I also get advertisements from them stating that I have {$170000.00} in equity in my home so now I should think about refinancing. I was told that the investors are the ones that are making this decision about the appraisal. I would like to know if this is something that they can do or if I fall under the Federal Homeowners Protection Act? Please let me know as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2022 Someone made an attempt to apply and open a Target Credit Card in name. Target called me and left me a detail message. I followed up with Target and a fraudulent store card was opened in my name, without my consent. Target advise me to follow up and make a complaint on this website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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: MS

Complaint narrative:
I did not consent to authorize nor benefits from the following account ( s ).

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 2022-06-07 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: MS

Complaint narrative:
I did not consent to authorize nor benefits from the following account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MI

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 : its 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 2022-06-07 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: Self Financial Inc.
State: ID

Complaint narrative:
On XX/XX/2022, I was notified of new activity from my XX/XX/2022 credit report. 
According to the credit report, a new loan account was created on XX/XX/2022 in the amount of {$520.00}. 
I notified the 3 credit bureaus and filed a police report that the new account was fraudulent. They informed me that the account was created using my old address and a phone number that I was not familiar with. 

XXXX first treated this as a normal dispute instead of a fraudulent activity and did not remove the loan account from my credit report. They actually resolved the first dispute by siding with the XXXX XXXX XXXX Self Financial. I also informed the XXXX reps that I was not able to reach a support person from XXXX XXXX / Self with the contact information they provided. They provided no help here, even when I told I think their contact information was incorrect. 

After the dispute was resolved in the bank 's favor, I contacted them again and finally had them escalate this to their fraud department ( and have since sent them a copy of my police report and am doing the same with XXXX ). The XXXX agents I talked with made it sound obvious that this was a fraud case since they helped me identify the phone number and address that was used in the fraudulent loan ... and yet, the dispute did not end in my favor. Also, XXXX 's online system for submitting paperwork ( XXXX ) is broken and does not accept PDFs or TIFF files, even though those were the exact instructions! 

Since XX/XX/XXXX through today, XX/XX/2022, I have been trying to contact XXXX XXXX XXXX  AND Self Financial Inc but could not reach any live person through any of their phone numbers and automated telephone systems. I even went to a XXXX XXXX  and they were also not able to reach a person by calling in. 

Self / XXXX XXXX apparently only helps their customers and have no means of supporting non-customers. Instead, their messages have directed me to an e-mail address. I finally e-mailed this e-mail address on XX/XX/2022 but have not been contacted as of XX/XX/2022. 

XXXX XXXX And Self Financial CURRENTLY DO NOT have sufficient support staff and actually have no live person to handle serious matters such as identify theft from non-customers. Look up their website info and try calling them, you'll get nowhere. ( XXXX ). 

I am still disputing this fraudulent account through the credit bureaus as we speak. I also want to world to know that criminals can open new loans through this company because they do not run credit checks, which made my credit freezes useless here as a form of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-07 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: MS

Complaint narrative:
I did not consent to authorize nor benefits from the following account ( s ).

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