vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 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: NC

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 60 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person

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 2022-09-27 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I had a Victoria 's Secret credit card. I was issued an Ulta credit card. I had decided I had little to no use for the Ulta credit card. I called the phone number on the back of the Ulta credit card to close this account. Ulta 's issuing bank is Comenity Bank. 

I had tried repeatedly to make a purchase at XXXX XXXX XXXX XXXX using my Victoria 's Secret credit card. My purchase was repeatedly denied. After being continually denied I became very frustrated. Thinking that the problem was XXXX XXXX  XXXX XXXX website i called them and placed my order with a representative ; once again, my order was declined. 

I then called the phone number on the back of the Victoria 's Secret credit card to confirm that their card could still be used at XXXX XXXX XXXX XXXX. I also verified my credit limit. 

Keep in mind a lot of time had passed. Now I called the number on the back of the Victoria 's Secret credit card to speak with a representative to find out what was causing these repeated failures to make a purchase. 

Victoria 's Secret issuing bank is Comenity ; the same bank as Ulta credit card. I was informed that my Victoria 's Secret credit card had been closed ; by me! I told the representative that there was a mistake ; I would NEVER close my Victoria 's Secret credit card. The representative started reviewing my account. I had told her that I had closed a Ulta credit card. 

After some discussion the representative then noticed that Comenity Bank is the issuing bank for both Victoria 's Secret and Ulta credit cards. The day that I had called to close the Ulta credit card, the representative had in error closed my Victoria 's Secret credit card.

I told the representative that I wanted my Victoria 's Secret credit card back! I was told it was too late I needed to do this much sooner. But I had not known that this is what was causing all my problems. She told me to apply for a new Victoria 's Secret credit card. 

I did not close my account! A representative of Comenity Bank had closed my account. I was in great standing with my Victoria 's Secret credit card, my entire balance was paid in full. I made all my payments on time. I receive various member rewards for the length of time I had my Victoria 's Secret credit card. I should not have to start all over. This is Comenity Banks error and Comenity Bank should fix this error. 

I had submitted this complaint XX/XX/2022 it should not take this much time to correct a mistake that they caused. I have missed many, many sales at both Victoria 's Secret and XXXX XXXX XXXX XXXX. Simply reissue my Victoria 's Secret credit card! I am frustrated, I am angry! 

My original complaint number is : XXXX. 

I do intend to take this further if I am not restored to my original position. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
NOTE : My name was previously XXXX XXXX. I got divorced and legally changed it back to my maiden name- XXXX XXXX. Either name may show up on records here. 

On XX/XX/XXXX, I received a final statement and ledger via email from XXXX on the XXXX apartments ( a carter haston community ). I will attach it here. It indicated that I did not owe anything after moving out of my apartment ( XXXX ) ; I was paid in full. Additionally, the statement indicated that the community in fact owed me money. I did in fact recieve that money promptly. 

Then, at the very beginning of XX/XX/XXXX, I received a letter from XXXX indicating that I owed XXXX -- an amount I had never seen or heard of before. I tried contacting XXXX on the XXXX via email and phone at least 8 times over the following few weeks but did not receive call backs or confirmations that action was being taken. Finally, I was able to get through to XXXX XXXX, who told me she would return my call after having a chance to look over my ledger. A full week later, I still had not heard anything back. So, yesterday, XX/XX/XXXX, I called the community again and was informed she would be calling me back by close of business. Again, I heard nothing. 

This morning, XX/XX/XXXX at XXXX XXXX, I finally received an email from XXXX XXXX It indicated that she couldn't tell where the account balance came from as she could only see my account so far back as XX/XX/XXXX ( I lived in the apartment complex starting in XX/XX/XXXX ). She sent the ledger she did have, which at no point shows why I supposedly owe this amount. It just exists somehow. I have tried to call and email back, with no response. I have also called the XXXX XXXX at XXXX XXXX ( XXXX XXXX ) and left a message with no response. I also have mailed the XXXX company with my dispute, prior to the date they indicated they needed it by. ( Mailed XX/XX/XXXX, due XX/XX/XXXX ) This is absolutely unfair and outrageous. I will not pay this debt as there is no way to show where it came from and it conflicts directly with all of the information i was provided by the complex throughout my move out process. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
During 2021 Suntrust placed me on Lender Placed Insurance ( LPI ) because I did not have Flood insurance.

I provided proof of coverage as this is my second mortgage and had it through my primary mortgage company. I provided the proof to Suntrust and they waived the fee. Since then they have transitioned to Truist and have been charging me again for LPI since. I've tried calling them almost once a week and showing up at a branch office to no avail. Truist refuses to remove the LPI because they advise it is showing as a fee on the insurance department side. When I ask the billing they say it came as a fee but should be LPI. The two departments do not share system or communicate. Even the notes on my account are segregated which is causing issues. 

They have advised that since it transitioned from Suntrust they are not responsible in the insurance side to solution the incorrect billing. When I speak to the billing department they advise this is a specific insurance issue. When I try to get them both on the line, they advise they are unable to wait to connect because of a 20 minutes hold company policy. 

Right now this is impacting my ability to get loans because it looks like I have a XXXX $ payment on a XXXX loan, which is absurd. 

At this point I don't know what to do. They have changed their entire insurance department and made this entire process very difficult to even speak to an agent so this is my last resort. 

I have Truist financial institution incorrectly billing me for something they should not and they refuse to remove the charge. Can someone please help me?

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 2022-09-27 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: MicroBilt / PRBC (formerly CL Verify)
State: NY

Complaint narrative:
See attached. MicroBilt is violating my privacy rights. I did not give them written consent to share any information about me pursuant to 15 USC 1681b. In addition, I do not have a contract nor an agreement with MicroBilt. I sent a request to opt-out and theyre requiring that I send them identification documents to process. Does this make sense? They never had permissible purpose to share information about me in the first place. This is another violation of my privacy and aggravated identity theft. MicroBilt is fraudulently using my non-public information for their financial gain. If MicroBilt is aware of the laws, the opt-out disclosure is required to be presented to the consumer BEFORE information is shared without their permission pursuant to 15 USC 6801 and 15 USC 6802 . I have rights as a consumer and nobody can waive them pursuant to 15 USC 1693l.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2022 a fraudulent purchase was made on my Capital One Venture X card in the amount of {$1800.00} at XXXX. I did not make this purchase or authorize this purchase. The package was addressed to me and dropped off at my door without my consent or permission. Upon receiving the unsolicited package, I immediately contacted Capital One to advise them of the fraud. They performed an " investigation '' and advised on XX/XX/2022 that the fraud could not be " verified '' because the the thief used my contact info, credit card number, and I " received '' the package. Capital One has refused to remove the fraudulent charge, notwithstanding that they market this card as " {$0.00} Fraud Liability ''. Although they state that the fraud claim is subject to verification, their use of the word verification deviates substantially from the common sense dictionary definition which is " establishing the truth, accuracy, or validity of something. '' The truth is that this is a fraudulent charge and Capital One is using its verification process to harm customers and charge them for bogus purchases by credit card thieves. I dispute this charge and Capital One has violated its own terms " {$0.00} Fraud Liability '' terms by refusing to remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I attempted to make a transfer into my Kabbage business checking account using their mobile app on XXXX/XXXX. The bank that I was transferring funds from had recently changed their banking partner ( this is a XXXX XXXX XXXX  ), so the routing number had changed. I forgot about this and therefore the transfer was returned as I no longer had an account at that bank. Once I realized my mistake, I updated the routing number and attempted another transfer. Before that transfer could go through, the Kabbage app reported that my account had been locked and that I needed to contact Kabbage support. I also received an email stating that there was suspicious activity on my account and that " activities may be temporarily restricted ''. 

Upon calling them on XXXX/XXXXXXXX I was told that my account was permanently locked under suspicion of fraud and that I would not be getting my deposit back. I waited a few weeks and contacted them again via email on XXXX I was told the same via email, that my account had been permanently locked and that the funds I had on deposit would not be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America opened an Advatage SafeBalancXXXX Banking Account with confirmation number XXXX at XXXX XXXX  XXXX Application approved XXXX XXXX  XXXX Phone was changed to XXXX and email updated. 

This account was opened fraudulently. Spoke with representative for Bank of America XXXX XXXX  and was reported systems were updated and unable to assist. 

Currently while filing this report I am on hold for approximately 20 minutes to attempt to close account.

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 2022-09-27 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: OH

Complaint narrative:
This collections account is being reported as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. I will need to be provided a copy of my report once its deleted and updated, I do not have any open accounts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CL Holdings LLC
State: SC

Complaint narrative:
In accordance with the FCRA re-aging is an illegal act due to 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: NC

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
This collections account is being reported as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. I will need to be provided a copy of my report once its deleted and updated, I do not have any open accounts with this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: TX

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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights ( Original Creditor : 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 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 to cause to believe that the information is inaccurate.

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years

Company response to consumer: Closed with explanation