vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been trying to get a copy of my consumer report from TransUnion online and was unable to for 11 months, I called and a rep told me someone would call me back but never got a call from company, I keep getting a ( ( Temporarily unable to complete your request ) ) on https : //annualcreditreport.transunion.com for months i've also went on TransUnion.com website online tried pulling my report but the same error message came up, I've contacted TransUnion and spoke to a manager by the name of XXXX XXXX XXXX that told me my account was a BLOCK Account and its a special LOCK on my information by TransUnion which have a special team, MY IDENTITY WAS STOLEN AND ITS VERY IMPORTANT THAT I monitor MY CONSUMER REPORT EVERY 7 DAYS OR EVERYDAY, after getting transferred to about 5 TransUnion reps a lady told me that there's nothing I can do to unblock her name is XXXX special handling department. suggesting that I pay XXXX for a membership fee to be able to monitor my file or go on XXXX XXXX to look up my report, AND when I told her about my rights under the federal Fair Credit Reporting Act she told me I have no rights and there's nothing she can do I also mention that I'am to receive a free report every 7 days by law, she stated that was during covid-19 hang up on me, ''The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies '' Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers how can I make sure my consumer files that TransUnion is holding hostage is accurate, complete or fair if my consumer report is block

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: OK

Complaint narrative:
I submitted request to XXXX & they replied its my Debt? 

My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: OK

Complaint narrative:
I submitted request to Experian & they replied its my Debt?

My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: ME

Complaint narrative:
I have a mortgage with Pennie Mac. I am trying to get PMI taken off the mortgage. It's nothing more than a cash grab. I was told my LTV is too high ( even though they go off house sale price and not the higher appraisal ). I have accepted this criminal activity because it's a bank and they are criminals. However, I had a long conversation with a banker at Pennie Mac in the fall and she said if I was adding value to the house, I could apply to have the PMI removed. I have put close to {$100000.00} into the house in a boiler, hot water heater and {$50000.00} kitchen remodel. I have all the receipts. When I wrote in to apply, I was told it would take 2-5 days to reply. That's insane. They should be able to reach out in a day. They are raking in record profits and they slow walk any effort for customers to get their rightful monies. 10 days later I get a form letter that completely ignored the information I put in the form regarding the improvements to the house. So, their process is to stall the customer, play dumb and send me a form letter saying NOPE, your LTV is too high. Again, to be clear, I accepted the LTV fraud, I was ASKING about the added value to the house. I need to speak to a human being that can think and follow my request. What is the next step in the paperwork to apply to get the PMI wiped out? Please understand that each week of delay earns them more money. This is why they do this. I am so sick and tired of these gross corporations who can never make enough money. Their rapacious greed is exhausting. I am trying to wipe out a {$60.00} PMI on a large mortgage. This isn't a big ask and I am prepared to provide all the documentation they need but they refuse to acknowlege the issue. Delay, delay, put people off so they won't bother. That's their MO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # : 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # : 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I spoke with XXXX from collections department at Mercedes Benz Financial Service calling on my delinquent vehicle I explained under extreme hardship at first refused to submit for a deferment! I did advise him he just begin talking to me without properly informing me that this is an attempt to collect at debt nor did he advise me the call was recorded nor did he complete full verification of who am I this is breech of private information snd he could have given anyone my information! I will be considering going forward with this matter if this matter is mot handled and straightened immediately! Nor for not having compassion for customers doing their hard ship while breaking the law is very hurtful and scary

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NC

Complaint narrative:
I recently applied for a Business Credit Card for my Corporation and I was denied. The Bank said it was due to accounts reporting negative and lost multiple inquiries. The information that's on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Nor have I personally owned or used any of the accounts. 
Multi of my Consumer laws where violated violated Section 603 ( p ) states they must notify me and never did about negative accounts on my report.

Violate 623 ( a ) ( 6 ) Incorrect info was never changed.

ACCORDING TO 15 USC 1681 Section 602 ( A ) My right to privacy.

Section 604- I never gave written instructions to any one to share my credit info Plus there are 4 inquiries on my account from 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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern ; On XX/XX/XXXX I asked Experian to verify that all information they are reporting on my credit report regarding Account # XXXX ( XXXX ) XXXX verified and accurate. 

On XX/XX/XXXX Experian responded with the following : " INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. We investigated the information you disputed, and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

" After obtaining a new credit report on XX/XX/XXXX, I noticed several reporting items had not changed, which leads me to believe Experian didn't do a proper investigation. The account is closed but is reporting a balance of {$150.00}. The last updated status was XX/XX/XXXX. The account shows a past due balance of {$150.00}. Account is closed and status is charge-off, But there is no Company Sold to listed. There is no phone # listed for under contact info. 

Experian failed to do a proper investigation of this account and failed to verify the accounts accuracy. In accordance with the Fair Credit Reporting Act, 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, 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 explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Account with Regions bank opened in my name on XXXXXXXX XXXX with account number ending in XXXX. 

My name and email address were on the email sent by regions. When I attempted to seek help at regions they did verify my social and date of birth were used to peon the account but refused to close 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 non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc.
State: AL

Complaint narrative:
Amerassist has threatened to continue to pursue me for a debt I do not owe. XXXX XXXXXXXX cancelled my account and I have provided proof of cancellation. Amerassist keeps responding with a validation response when that is not the issue. Both XXXX XXXX and Amerassist are continuing to pursue me for a credit I do not owe. The country had a mandatory shut down due to the pandemic. XXXX XXXX could not remake the trays that were done incorrectly because we were in the beginning stages of the pandemic. XXXX XXXXXXXX closed their shops on XX/XX/2020 and XXXX XXXXXXXX cancelled my account on XX/XX/2020 because they could not make my trays and could not provide me the service that I signed up for. This is not a validation issue this is a human rights issue. XXXX XXXXXXXX made two top trays instead of a top and bottom tray they could not provide service to me so they cancelled my services and forgave debt. Amerassist has no right knowing my medical information or trying to pursue me legally. This is a complete violation of my rights. This is also a violation of the state of New Jersey as it was in a mandatory shut down. The response from Amerassist is abusive We have provided the consumer with validation of the account. The reasons for dispute given by the consumer to our agent, the XXXX XXXX XXXX and the CFPB are inconsistent. AmerassisXXXX has blocked the consumer 's account with a cease & desist to prevent any further communication. The account, however, remains due and outstanding to XXXX XXXXXXXX and will continue to be reported to credit reporting agencies. XXXX XXXX email XXXX for this I am asking for monetary relief at this point and for Amerassist to stop pursuing me for a debt I do not owe. Amerassist and XXXX XXXXXXXX are committing Fraud and someone needs to investigate both companies. For Amerassist to just dismiss what I am saying and block communication when they have no right to have my information in the first place is injustice. This is Covid Protected we were in the beginning of a pandemic that the world has never seen and everything shut down. There was no operation due done from any company due to fear of passing Covid along. XXXX XXXX and Amerassist are in violation of the State of New Jersey which went into a State of Emergency on XX/XX/2020 by Governor XXXX. I have no obligation to XXXX XXXX and Amerassist and for this I ask for them to stop trying to collect and stop the abuse and harassment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX XXXX. I'm writing this complaint to find if my mother " { XXXX XXXX XXXX } who is deceased since XX/XX/XXXX, had these two IRA accounts closed out. I just found them my parents ' house when we were cleaning out boxes of their property. 
My parent 's address was XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this will be name and address on the two IRA accounts that I have, and account numbers are on next page of your letter. 

I wrote to the office of the Comptroller of Currency, and they directed me to write to your office. 

Both my parents are deceased now, and I am the only child. My dad passed away XX/XX/XXXX, his name was XXXX XXXX XXXX. 

The accounts are from XXXX and were both with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Since then, the bank was changed several times and most recently is under name J. P. Morgan Chase. 

I tried the local branch but wasn't successful in getting help. 
I have both books and account numbers if needed. 

Please see if you can help me find out if they were closed or not and how to get funds back if they are still open. 

Thank you XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CA

Complaint narrative:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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