vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
There are XXXX accounts on my credit profile Victoria Secret credit card opened for {$550.00} and XXXX for {$630.00} that have been in collections and charged off. I have no knowledge of that. I am a victim of identity theft. The information I provided which appears on my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached XXXX FTC reports with fraudulent unauthorized inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARG XXXX US DEPTARMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: GA

Complaint narrative:
Unrecognized hard Inquiries that I didnt authorized. Went to a dealership they ran my credit multiple times without my approval. 
I wan na delete these Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I never heard of this debt. I monitor my credit with XXXX and in XXXX of 2023 or so I received notification that this account was posted to my XXXX  and XXXX report. The supposed amount owed is {$1500.00} withe Bank Of America. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
I have attempted to pay off my escrow shortage for 8 months. On XX/XX/2023 my conversation with the representative advised me of the balance of the escrow shortage of $ XXXX, which was paid off and a new mortgage payment was recalculated. I adjusted my new auto pay to reflect this amount plus an additional amount t be applied to my principal. After paying off the shortage and adjusting my payment tit reflect the new amount the representative gave me, I have recevied several emails stating they did not apply my payment due to a shortage in my payment. Since then, I have called the mortgage company 7 times because they never adjusted my payment, did not apply my payments appropriately and have not corrected the escrow shortage that was paid off. I have left 4 messages with the head of the department to clear this up and I have not received one phone call back. I just sent a certified letter to the financial institution on XX/XX/2023 asking them to resolve this and to contact me. This has been extremely frustrating and I am a successful realtor that deals with lenders everyday. I am at my Witts end with BSI Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This was fraudulent. I was left an automated voicemail saying they were trying to resolve a civil dispute. I called the number. A woman asked me to verify my identity and I refused because I suspected it was a scam. She transferred me to a " XXXX XXXX, '' who informed me he worked for " XXXX XXXX '' and was attempting to collect a debt. He said it was on a Wells Fargo account that was closed out in XXXX. I told him I hadn't banked with Wells Fargo in seventeen years or so ( I realize now it's more like 14 years ). He said I owed over XXXX XXXX dollars and if I didn't pay I would be flagged and I wouldn't be able to use a debit card for five years. He tried to confirm my address. He read me two addresses, one from XXXX and one from XXXX. He also read me all nine digits of my social security number. He also said the last four digits of an account number ; i think it was the correct digits to my old XXXX Wells Fargo checking account but I can't be sure. I repeatedly asked him for a phone number to any government agency that could verify this was a legitimate debt collection. He wouldn't give me one, but said he'd send relevant info to my email if I gave him my email. I refused to give him any more information because it seemed like he was a fraudster. I continued to ask for the number of a government representative who could verify the legitimacy of the collection attempt. He refused to provide me this. 

I think a fraudulent criminal organization has my social security information as well as other personal details. I'm very concerned. Please help me. I looked online and found multiple people had the same experience ( company named XXXX XXXX attempting to collect on long closed bank accounts ( usually Wells Fargo ), sometimes via a representative named XXXX XXXX ). 

I froze my XXXX and XXXX credit ; I'm going to freeze XXXX next, but there's a holdup. I'm trying to get it done this afternoon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX of this year, I made a {$34.00} payment that they refused to acknowledge although it was cleared by my XXXX XXXX and not returned. On XX/XX/XXXX I had another {$34.00} payment with the same issue. On XX/XX/XXXX I made a payment of {$130.00} that they said they reversed due to insufficient funds, however the funds were there and I did not receive this money back. My payments were also originally set for the fourth of every month and they slowly rearranged the dates back until they were all on the XXXX of every month, after they learned my paydays were the first and the third. Also they charge me two payments every month. One of XXXX and one XXXX. Please get the money returned to my XXXX XXXX account. I will be closing the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX and I ( XXXX XXXX ) came to an agreement to pay for deletion on account number XXXX. I held up my end of the agreement to pay {$1500.00} within 90 days from XXXX XXXX XXXXXXXX they have yet to inform the credit bureaus of our agreement. I have tried to contact the credit bureaus regarding this matter and have yet gotten a response. can you please help me resolve the issue By Removing this account according to the agreed upon terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: GA

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumbeXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: GA

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Further more Trans union issued a public statement about child support, liens and fines will no longer be reported on credit report yet it is still be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KPL Select Mortgage Inc
State: CA

Complaint narrative:
XX/XX/2023 I began the purchase of a new home. I chose KPL Select Mortgage INC, to begin the process of my mortgage. XXXX XXXX was the loan representative and XXXX XXXX his assistant. During the process of my mortgage there were several misrepresentations which were revealed mostly at the end when the paperwork came to sign. I was going to borrow just over half of the purchase price and finance the rest. During this time, I was quoted a loan amount with no knowledge of points for a buy down or that I would be told at the closing that an escrow was established for new Trust Deed Loan. The wording said I qualified for the new Trust Deed Loan without any financial impact ever discussed. I also received paperwork that I was offered 3 loans with different points and interest rates which had never been discussed prior. I am not familiar with a Trust Deed Loan and since I was putting almost 50 % down I didn't worry until XX/XX/2023 and I logged in now a different mortgage companies ' website, XXXX, that they had purchased my loan. I signed documents which conflicted with this information at the closing that said I was being service by a XXXX XXXX XXXX XXXX XXXX, though I had also signed a document which said XXXX XXXX  XXXX was the lender. During the loan process I was told I had no escrow, but at my close they added an untitled escrow amount on one of the documents for this " Trust Deed Loan '' of {$54.00}, along with other proposed property payments which were not going to be escrowed. This was the only document which hinted at a different monthly payment then the other documents. I did call XXXX XXXX about the discrepancies but he said that what we had discussed was true and there was no escrow and the loan was not going to be transferred to another company. I signed my closing documents on XXXX for the XX/XX/XXXX closing. This {$54.00} for 360 months was not clear on my documents which had conflicting information and represents {$19000.00} in payments for some product I received no information on and was not made aware of financial implications in the documents I signed. The monthly payment in all the documents did not include this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a letter advising that I had a past due balance on a victoria secret card that I did not have or use. I was advised that I purchased for almost XXXX dollars items that I did not make or receive because I am a XXXX patient. The debt was transferred to a XXXX XXXX XXXX named XXXX XXXX from Victoria secret. I advised them that I was in the hospital getting XXXX care and that I did not make these purchases and disputed it. They told me although it was disputed they provided proof of the debt and that I still owed. I wasnt able to offer my reason for disputing it and I am asking for your help in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I spoke with XXXX about the letter I received file number XXXX. I explained that the letter they sent me is ambiguous and does not talk to the notarized letter from XXXX that I sent in. She said they have no record. Not long after I was disconnected. I waited 30 minutes to speak with someone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: MO

Complaint narrative:
I check my credit report every 30 days and i've noticed that there were unknown inquiries on my credit report listed below XXXXXXXX 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 2023-06-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: IN

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief