vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: FL

Complaint narrative:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A debt collector, XXXX XXXX  XXXX, contacted me out of the blue and claimed that I owed them {$530.00}. I refused to pay since I had no knowledge of them or the debt. They then reported to Experian that I was in " collection '', dropping my credit score XXXX points! This is extortion. I challenged it with Experian but they refused to accept my challenge. This outrageous conduct has to stop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I disputed this on XX/XX/XXXX JPMCB - CARD SERVICES JPMCB - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. I wrote them letters and mailed to them ... and I guess they ignored me. 

XXXX XXXX is the same... they ignored me. They won't send me any validation to let me know if this is correct. I had to call them and I attached the TTY transcript, it showed that they promise to send me validation in the mail. 
I told them that the date of birth isn't mine. And I have never applied in Mississippi in XXXX to get credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I disputed this on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. I wrote them letters and mailed to them ... and I guess they ignored me. 

XXXX XXXX is the same... they ignored me. They won't send me any validation to let me know if this is correct. I had to call them and I attached the TTY transcript, it showed that they promise to send me validation in the mail. 
I told them that the date of birth isn't mine. And I have never applied in Mississippi in XXXX to get credit card from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I disputed this on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. I wrote them letters and mailed to them ... and I guess they ignored me. 

XXXX XXXX is the same... they ignored me. They won't send me any validation to let me know if this is correct. I had to call them and I attached the TTY transcript, it showed that they promise to send me validation in the mail. 
I told them that the date of birth isn't mine. And I have never applied in Mississippi in XXXX to get credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Good afternoon, Re : Suntrust Mortgage XXXX XXXX XXXX XXXX XXXX - Escrow officer - Title Company In XXXX, my spouse XXXX XXXX XXXX and I refinanced our mortgage. We both were borrowers on the previous mortgage and assumed we were both borrowers on the refinance and have closing documents as well as mortgage statements, which reflect such. The escrow officer was my husbands sister, who I trusted. ( Now XXXX ) We divorced in XXXX, and I was awarded 100 % ownership of the property. A divorce decree and a filed Special Warranty deed reflects this. 

When Covid hit and I became XXXX I contacted the mortgage company and at which time I was told I could not communicate with them because I was not on the mortgage. This news Was a huge surprise. 

After further review of documents I received at the time the divorce I noticed a signed POA from my Ex- husband, had been notarized, but the notary had stamped it, but didnt sign it. 

The notary- was the Ex- sister-in-law ( she had remarried, so I didnt recognize the name ). 

These circumstances have now caused my mortgage to be in default and in foreclosure. 
I have lived in my home for 19 years and have equity but have been unsuccessful at having anyone acknowledge this. I stop the payments until I could solve the issue of ownership.. 

I have tried to communicate with loan provider, to take over loan, modify, loss mitigation, new loan, but no communication. I was told to file XXXX so I could claim debt. ( which I did for that purpose only ) Filled out loan applications, etc. 

Unable to locate Ex and notary will not communicate or acknowledge the error. 



I dont know what else to do I just want to Continue to pay my mortgage and live in the residence. Just need some assistance. 

I hope the info provided makes some since and this situation can be reviewed and I can provided addition info for clarification. 

Thank you for your time. 

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 explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Truist Bank due to the response I received. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Truist Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: Credit Karma, LLC
State: KS

Complaint narrative:
I have a Credit Karma account that I started last year. Since then, I have gotten notified through logging on with them, that I would be approved for a credit card and twice I have applied, still no card, even though they CLAIM I have EXCELLENT approval odds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Wrong person bankruptcy doesnt belong to me its not mine n accordance with The Fair Credit Reporting Act, US Bankruptcy XXXX Reference # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US 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 explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In accordance with the fair credit reporting act Freedom mortgage has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it's also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 BA creditor may not treat a payment on a mortgage payment under any open and consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: FL

Complaint narrative:
I am a natural person Im a living human being I have rights under 15 USC 1681 XXXX is governed by 15 - USc 1681 and they have violated my rights numerous times I demand the accounts listed below be removed because according to 15 Dash USC 1681 I have the right to privacy and I did not give XXXX written permission to furnish these accounts this may be a case of identity theft which happened during the XXXX data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-09-07 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: CA

Complaint narrative:
Request of XXXX of XXXX!! 

On XXXX I requested an investigation from Transunion regarding inaccurate/fraudulent item on my credit report ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) that's being reported erroneously. On XXXX Transunion sent a letter that the investigation was completed, and the item was not deleted and had been verified. I'm flabbergasted because I don't understand how they arrived at this conclusion since this information is definitely incorrect and is fraud per the FTC identity theft report that was sent to them. 

This request is under FCRA 611 ( a ) ( 7 ) for the description of the procedure used by Transunion in providing all information to the creditor associated with my previous dispute under FCRA 611 ( a ) filed with Transunion on XXXX. 

Please provide me with all the information you used for the investigation, required by FCRA 611 on how you actually verified this fraudulent item. 

Please reply within XXXX  days or delete the negative item I originally requested!!! 
Stop playing games with my livelihood and follow the law and send me detailed information on how you arrived at your conclusion. All information should be sent to the CFPB and to the email I provided to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MS

Complaint narrative:
I sent the gift card to someone and they can't be able to redeem it. 

I emailed XXXX, the credit card and the Giftcards.com They won't help me with my situation. In attachment document... I have proof that there is no XXXX XXXX gift card. 

on XXXX XXXX account. 

Then Giftcards.com response was send her a card so she can redeem it. 
I told them that we aren't going to redeem it, we want our money back. 
They won't refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: MS

Complaint narrative:
I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
American Credit Acceptance LLC- I applied for a vehicle and I was denied. 
Title 15 faults, misleading and denial of ones own credit. Credit means the right granted by creditor to debtor to defer payments of debt and defer its payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
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 XACTUS XXXX XACTUS XXXX XXXX XXXX XXXX XXXX XXXX XACTUS-AVANTUS XXXX XACTUS-CP  XXXX DETAILS : TO WHOM IT MAY CONCERN, MY VEHICLE LOAN IS WITH XXXXXXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE XXXX XXXX TO SHOP MY CREDIT WITH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS IS MERELY HOW THEY DO BUSINESS BUT WITHOUT MY CONSENT. 
SECONDLY, I DID NOT AUTHORIZE XACTUS OR XXXX XXXX  TO RUN MY CREDIT REPORT. I SIMPLY SPOKE TO LENDERS ABOUT MY OPTIONS TO BUY MY FIRST HOME. 

PLEASE CONTACT ME FOR ANY FURTHER INFORMATION THAT IS NEEDED FROM ME. THANKS FOR THE TIME AND HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I upgraded my AMEX XXXX  XXXX XXXX card to XXXX  XXXX  XXXX card in XX/XX/2022, with a promotion 'spend {$1000.00} in 3 month and get {$150.00} credit '. I met the spending requirement early in XX/XX/2022, and the credit is still not posted now ( XX/XX/XXXX ). 

I chatted with the customer service multiple times since XXXX. Each time they could confirm that I have met the requirement and they can see I have earned the bonus. At first they said the credit will be posted in XXXX, then told me to wait 8~12 weeks. Now is way more than 12 weeks. Later in XXXX they claimed that I didn't met the spending, even though they confirmed that I have met the requirement several times. And I can confirm that I met the spending requirement. I attached my transections since XXXX 2022, and you can clearly calculate that my spending minus returns and other credits is {$1000.00}. Note that the credit on XX/XX/XXXX is balance transferred from my other amex account. It is not a return or other credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit 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 2022-09-07 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit 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 explanation