vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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:
I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, XXXX, XXXX, and Equifax has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Equifax, and XXXX is in direct violation of the FCRA and the Gramm-Leach Bliley Act of 1999.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: GA

Complaint narrative:
Since XXXX of XXXX I've sent multiple letters and supporting documentation to Equifax showing that the XXXX bankruptcy records that they have listed as well as the accounts for XXXX XXXX Bank and Bank XXXXXXXX XXXX  all need to be removed from Equifax reports as this information is invalid. 

I've submitted documentation from the Federal Bankruptcy Court as well as XXXX XXXX showing that there is no record of these bankruptcy records. Yet Equifax continues to claim that they have validate/ verified these records. I've also provided documentation directly from XXXX XXXX Bank and the Bank XXXX XXXX that show that they do not have any accounts listed for me. And Equifax continues to report this information as well. 

I've provided this information to Equifax multiple times in XXXX, XXXX, XXXX, and XXXX of XXXX as well as in XXXX of XXXX. And I just called Equifax on XX/XX/XXXX and they claim to have not received any of this documentation. However, the representative claims to not see any of this documentation. I know that not to be true as I have confirmation via copies of my XXXX Mail and XXXX Receipts showing that all copies of all of this documentation was indeed received by Equifax. 

This means that Equifax is blatantly intentionally reporting this fraudulent information. Equifax has recently been held legally responsible for these fraudulent activities. I am also a member of the Data Breach Class Action Settlement Class which is also another case where Equifax is legally responsible for continuing to report information that they know is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 XXXXXXXX XXXX account was originally XXXX XXXX XXXX. It was removed previously for being inaccurate and was reinserted by XXXX XXXX. They violated my rights by doing so and also did not inform me or ask my permission to reinsert the account within 5 days in accordance with the Fair Credit Reporting Act.

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 2022-08-05 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:
On XX/XX/XXXX, I went into XXXX to set up new service on a phone. I asked several times if the transunion pull was a hard or a soft, and I was told soft by the store. We spoke to the credit bureau, and they informed me it was a hard pull. I told them I did not want to move forward, but thanked them for their time, and transunion pulled my credit anyway. When the XXXX XXXXXXXX  representatives told them that they asked them not to pull my credit, transunion hung up the phone. Ive called them at least XXXX times to report this and they keep hanging up.

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 2022-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I, the consumer and natural person was denied credit by Comenity Capital Bank when I applied for {$11000.00} for a dental procedure with XXXX XXXX XXXX I, the consumer entered into XXXX credit transactions with Comenity Capital Bank that took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The transactions was of no benefit to me. That action was a willful act to disregard 15 U.S. Code 1602p. This is solid proof of the unauthorized use of my credit card by Comenity Capital Bank. My credit card was charged directly by your company with willful intent to deny me of my right and defraud me of the money obtained through this transaction. 

As the cardholder my credit card was used to apply for credit. Each time I was denied my right to credit which is unlawful. I, the consumer exercised my right to credit in good faith and was discriminated against without the proper explanation. According to the Dodd-Frank Act amendments creditors are required to provide applicants with written valuations developed in connection with all credit applications. Comenity Capital Bank did not adhere to the ECOA or provide the consumer with where they got the information from that caused the illegal denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: Westlake Services, LLC
State: CA

Complaint narrative:
They have been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. Which is against the law according to the congressional findings 15 USC 1681 ( b ) ( XXXX ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( XXXX ), congress made it clear that they have assumed this role. 
Also under 15 USC 1681 ( a ) ( XXXX ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things 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
Consumer complaint received 2022-08-05 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
They have been selling my information, which is not their place. They have also been able to furnish my XXXX XXXX for me without my consent. Which is against the law according to the congressional findings 15 USC 1681 ( b ) ( XXXX ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( XXXX ), congress made it clear that they have assumed this role. 
Also under 15 USC 1681 ( a ) ( XXXX ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Hello. I received notice from my mortgage company ( Chase ) on XX/XX/16 that my monthly mortgage payment was increasing by {$780.00} per month due to a shortage in my escrow account. Upon researching why this happened, Chase acquired my mortgage from XXXX XXXX ( who I originally took the mortgage out with ). Previous property tax bills had always been quarterly, yet Chase made an annual payment creating the shortage. I reached out to Chase to explain why the shortage was there and try to figure out why my quarterly property tax payment was paid in one lump sum instead. I asked that the repayment of the escrow shortage be stretched out over a longer term as a {$780.00} per month increase is ridiculous and unaffordable. Chase 's reply was that I could write a check for the full amount of the shortage ( approx. $ XXXX ) to reduce my monthly payment or I could repay a portion of it and reduce my payment as well, but they would not extend the length of making up the escrow shortage. This is despite the fact that they changed the way the escrow account was managed from my original mortgage company. ( They've since said they'll pay the taxes from the account quarterly, but I have to make up this escrow shortage over the next 12 months ). Having never been late on a mortgage payment, I find the inability of Chase to extend the time period to cover the escrow shortage ridiculous. Expecting someone to pay an extra {$780.00} due to a mix-up on Chase 's end is unacceptable as well. We're now forced into trying to figure out where we're going to come up with this extra money each month so as to not lose our home. I understand mortgages can be acquired from who you originally take the mortgage out with, but the terms/managing should not be altered to the extent a monthly payment increases {$780.00} per month!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IN

Complaint narrative:
Pursuant to 15 usc 1681b ( a ) ( 2 ) " Permissible Purpose of Reports '' I never gave Equifax my written permission to furnish a consumer report on me. I have reached out to you ( equifax ) and submitted several disputes advising you to immediately delete this information. On XX/XX/22 ya 'll sent me the Investigation results claiming to have verified the following accounts but how? you dont have my permission to furnish the account information on me. You failed to properly investigate my concerns regarding the inaccurate reporting of these accounts. You mention in the Investigation results that you " verified '' this information from the original source. Well pursuant to 15 usc 1681e you are required to verify by a way of personal interviews, with my neighbors, my friends. None of my family has contacted me stating Equifax has attempted to verify these inaccurate accounts reporting. You clearly have violated the law. I being the consumer/natural person am the only one who can verify this and I NEVER EVER gave you my written consent to report these accounts. I am demanding these accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Today after reading the artical I notice multiple accounts and inquiries on my consumer report that was incorrect. I have spoken with Equifax supervisors and was unable to reach a resolve. 

Under 15 usc 1681 a # XXXX Equifax assumed this role without my permission, and did not have my consent. 

Under 15 usc 1682 a # XXXX. Equifax didnt exercise your grave responsibility to my privacy either by utilizing the wrong information. Equifax was unfair and partial. You did not respect my right to privacy. 

Equifax never had permissible purpose under 1681 # XXXX and I never instructed Equifax to create this report. I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously disputed this account, however, I have attached a copy of my XXXX credit report just to show the inaccuracies in the payment dates. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
Being that the payment history in inaccurate for both, this item must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank has made numerous repeated daily calls from XXXX since Tuesday XX/XX/2022 violating Reg. F 1006.14 ( b ) ( XXXX XXXX. Below is the breakdown of the call log : Tuesday XXXX/XXXXXXXX - XXXX calls ( XXXX, XXXX ) MST Wednesday XX/XX/2022 - XXXX calls ( XXXX, XXXX, XXXX, XXXX, XXXX ) MST Thursday XX/XX/2022 - XXXX calls ( XXXX, XXXX, XXXX, XXXX, XXXX ) MST Friday XX/XX/2022 - XXXX  calls so far today at XXXX and XXXX MST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc
State: WI

Complaint narrative:
Tat and Kirlin is trying collect some mysterious debt from XXXX  that I do recognize. 

Not only is this long beyond the statute of limitations, if this company is not fraudulent, is most likely due to the XXXX identity theft scandal from the early XXXX. 

They said I contacted them therefore I acknowledged the debt was real.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: CA

Complaint narrative:
To Whom It May Concern, Starting in XX/XX/2022, I have sent multiple letters to XXXX, XXXX, and TransUnion regarding an incorrect name on my reports. Nearly 6 months later and that name has not been removed. 

If any erroneous and/or derogatory accounts are added to my reports under this name, it will have a massive impact on my credit scores. For this very reason I have been trying to resolve this directly with the bureaus, with no luck and NO RESPONSE. 

I find this completely unacceptable and may result in pursuing legal action if this is not remedied IMMEDIATELY. I have attached a screenshot of the personal information on my reports.

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 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I did a refinance ( existing BoA mortgage ) with Bank of America in XX/XX/XXXX. 
XXXX agreed to was {$850.00} monthly in XXXX XXXX 
One of the Bank of America associates assisted me in setting up automatic payments. 
Part of the loan proceeds were used for wind mitigation work on the house. 
XXXX XXXX accepted the inspection report and issued a partial refund in XX/XX/XXXX. 
I contacted Bank of America and they moved {$890.00} from my checking to Escrow.

The refund was for the balance of the year, a 6-month period ending XX/XX/XXXX. 
I sent BoA a revised lower insurance premium Declarations Page from XXXX XXXX. 
I received an email from BoA stating my mortgage payment is now {$5.00} HIGHER. 
If I did not tell Bank of America, per their associate, my payment would not have changed. 

I need some assistance. I do not understand, and Bank of America has not offered a clear explanation, how the insurance can go down and an advance payment made to escrow can have a NEGATIVE effect on the monthly payments.

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 2022-08-05 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:
Hello, I am a victim of identify theft. XXXX XXXX placed a hard inquiry on my credit report. Thank I do not recognize. These are the steps that I have taken since the hard inquiry have been placed on my account. 
I have filed a report with the FTC, I also placed a freeze on my account with the credit bureaus.

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 2022-08-05 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:
Experian failed to remove and delete XXXX XXXX bank from my credit report, please reinvestigate multiple inaccuracies payment was never late payments and I am a victim of Identity theft. I have a fraud alert on my credit report please provide me with who investigate this issue and what methods they used

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 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022, I, XXXX, was trying to electronically send {$880.00} to XXXX XXXX XXXX credit card from my Truist Checking account. By a misplacement of decimal point, Truist sent {$88000.00} to XXXX XXXX XXXX. Because I did not have enough to cover the error, only everything I had, I am overdrawn at Truist by over {$32000.00}. After 7 trips to several XXXX offices and countless phone calls, and after 45 days, XXXX sent the money back to Truist on XX/XX/XXXX. However, Truist has lost the money in transition. Being in that amount of debt and unable to pay bills for this long, has destroyed my lifetime of perfect credit. No one at Truist has any Idea what to do. They continue to push me off, day by day. I am reasonably certain that this issue could go unresolved another two months at least, if not forever. Please help, this has ruined my life.

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 2022-08-05 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: GA

Complaint narrative:
Pursuant to title 15 usc 1681b, and pursuant to title 15 usc chapter 94. My consumer rights has been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Husband received call onTuesday XXXX around XXXX regarding a possible fraudulent withdrawal to our account. My husband confirmed that the charge was indeed fraud and the bank was supposed to cancel the card and issue a new one. However, they never did and another XXXX transactions additional to the one we received the call about, hit our account over night to a total of XXXX. We called the bank first thing Wednesday morning when we saw and were told that my husbands card was never cancelled and a new one had not been issued. We were then told that because it was such a high amount that it would have to go to High dollar value fraud department and they would call us between 2-5 business days. Meanwhile they are charging us overdraft fees, they paid all of the fraudulent charges but returned my mortgage payment and will not issue a credit so that can go through. We are on day XXXX and still no help or concern 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 monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX, Transunion and XXXXXXXX XXXX violated HIPPA Laws and Rules. 
XXXX. XXXX, XXXX, Transunion, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, XXXX, XXXX, Transunion illegally accessed my frozen credit file for profit.

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