vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I'm looking at my credit report and I see an account being reported by Victoria Secret/Commenity Bank . This company is reporting this account as a collection or charge off and I have never been sent a 1099-C regarding this alleged balance. The FCRA requires that companies obtain written consent before reporting negative information about me to a credit reporting agency. This did not happen. I have never given this company permission to report this information on MY consumer reports. I demand to see proof that I have. I also demand to see the original agreement specifically pertaining to my consumer rights. In addition I demand to know if there was insurance on this alleged account and if the company wrote this off as a tax write off. The notes on my report say it was sold, I never gave them permission to sell any of my personal information I demand to know what company this was " sold '' too and for how much. This account has caused me to repeatedly get denied credit and has caused emotional stress and trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/23 my son 's and my joint account was compromised via his debit card by XXXX on XX/XX/23 and apple cash on XX/XX/23. We recognized it and reported it via telephone on XX/XX/23. The XXXX XX/XX/23 charge was {$200.00}. The XXXX XXXX charges on XX/XX/23 were {$100.00} and then {$200.00}. The XXXX charges were reported while they were still pending. It also important to note that XXXX XXXX is not sent up on either of our phones. My son filled out the affidavit that was sent to him by email. Another affidavit was sent to him in the mail at home. He goes to military school and serves in the XXXX. When he didn't receive or return the affidavit that was sent to his home address ( we thought that the email affidavit covered all charges ), Truist debited his account back for the two XXXX pay amounts {$100.00} and {$200.00}. He then called them in early XXXX to re-dispute the charges. This time they sent the forms to him by email and he signed them. He has contacted them several times and they just say they are investigating. So, we are at an impasse. Truist has lax controls over their cards and fraud. We reported this while the charge was pending, and Truist didn't take action and block the charge. Trusit has taken advantage of my son 's limited access in military school and serving in the XXXX to run out the XXXX XXXX dispute timeline. Disgraceful.

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 2023-05-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
STOP EQUIFAX FROM RUINING MY LIFE! 

Yesterday ( XXXX XXXX ), I received an email from Equifax that my address had been changed. Currently, my Equifax account is " frozen '' due to recent identity theft but since the change was merely from " XXXX XXXX '' to XXXX XXXX XXXX '' I assumed that this was to comply with the USPS and was insignificant. 

Today ( XX/XX/2023 ), I received another email from Equifax stating that my address had been changed again. Today, my address was changed to an old address ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NC XXXX XXXX where I had not lived for 3 years. During that 3 year period, I had obtained mortgages and therefore my Equifax record was appropriately updated with my correct address. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

WHY DOES EQUIFAX CHANGE MY PERSONAL INFORMATION WITHOUT ANY VERIFICATION WITH ME? EQUIFAX HAD MY CORRECT ADDRESS WHICH MATCHES WITH ALL OF MY OTHER FINANCIAL RECORDS. 

I signed onto my Equifax account however I am currently " blocked '' from disputing this change of address! The Equifax phone system is impossible to use and I can not even reach a person to speak to about this issue. My past experience has been that if you are able to reach a representative, they are not in the U.S., speak poor English and are of no assistance. 

I AM FURIOUS. 

Three years ago, Equifax did a similar thing. My date of birth was suddenly changed on my Equifax record, making me more than XXXX XXXX XXXX! I did not make that change - Equifax did this and without any verification. I then had to spend numerous hours and provide complete documentation, including copies of my birth certificate and passport, that prove that I was not born 90 years ago. 

HOW AM I SUPPORT TO ADDRESS THIS CURRENT PROBLEM WHEN I CAN NOT EVEN DISPUTE THE ISSUE? 

Furthermore, when is CFPB going to actually do something to correct this ongoing abuse of consumers by Equifax and the other two credit reporting agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a promo mail from Truist. The piece of mail invites me to create a checking account with them and get {$400.00} if I qualify. The offer is for someone who received direct communication from Truist ( for me via mail ), someone who has never had a Truist account ( I never did ), open an account between XX/XX/XXXX through XX/XX/XXXX, and to set up a direct deposit totaling {$1000.00} within 90 days of opening account. I did all of those and added the promo code to my account. I opened an account on XX/XX/XXXX, set up direct deposits through my employer ( XXXX direct deposits of {$500.00} each during month of XXXX ). I called Truist on XX/XX/XXXX to see if I met the requirements. The rep said yes and I will get {$400.00} bonus in XXXX weeks. On XX/XX/XXXX, I received an email saying I did not earn the bonus as I didnt meet requirements for offer. I was confused because the promo mail ( attached ) clearly states in 3 steps what I need to do and the fine print highlights the offer eligibility. Very misleading. Plus no explanations of how I didnt meet the requirements. I told my husband before all of this that we might make Truist our joint checking account. But after this deceitful promotion. Im not recommending Truist to anyone I know and Im closing my account as soon as my last direct deposit hits. My first experience with Truist was terrible.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My complaint is against Equifax. To be brief, in 2017 I moved from XXXX to XXXX. I successfully and thoroughly completed my cancellation of XXXX as they DID NOT offer services in XXXX at this time. For some reason, I do not know why, XXXX sent my fully paid account to collections, in 2017. It is not a valid debt. I have to dispute this probably about every year with each credit bureau as XXXX gets a new credit agency every year or so sent to me ( first agency was XXXX and now XXXX ), I assume to keep it going. EVERY dispute has been removed with each bureau until recently with Equifax ( even though they have removed this collection probably about two times before in the last six years ). In all honesty, I guess my complaint is against all three agencies because there is NO REASON why I should have to keep disputing this account FOR 6 YEARS NOW ... I am so tired of having to do this especially since Equifax all of the sudden does not want to take this off. I really don't know what else to do at this point... I really need this collection removed as it is not valid and needs to stay off my report. XXXX and XXXX has already removed the collection account ( once again ). It has been 6 years! I have not set up a new account with XXXX since 2017 so any new collections should NOT be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Collections Account # 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 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 2023-05-12 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: U.S. BANCORP
State: CO

Complaint narrative:
I bank with US Bank and have a credit card through them, as well. I woke up to fraud charges on my credit card on the XXXX of XX/XX/2023. Called US Bank as soon as I woke up around XXXX XXXX XXXX Tried to dispute the charges that were placed throughout the night as I was sleeping. They took off every charge except for one. The charge is for {$58.00} for XXXX. I do not even golf..They have the audacity to tell me I authorized this charge. The charge was made in XXXXXXXX XXXX and was manually entered, but I live in XXXXXXXX XXXX and have never even been to XXXX Plus, I was sleeping. I have camera footage from my house and work clock-in 's to prove I was in Colorado during this fraudulent charge.

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 2023-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was placed with a temporary restriction ( Ref XXXX XXXX XXXX XXXX  on XX/XX/2023 when I received 3 payments on the same day as a personal payments. I think it is my utmost right to use PayPal as a payment receiving platform and I am allowed to receive personal transactions. 

Anyhow, Since I was being placed with a restriction, I had to provide with the right form of documentation and explanation necessary for the restriction to be uplifted. Disappointingly, in a spare of seconds, after completing the appeal steps, my account was placed with a permanent restriction. This made me as a user disappointed and disillusioned with the PayPal security system as I was not doing any gambling or any illegal activity with my PayPal account. Then how come my account must be restricted? Is this what we deserve as a consumer? 

I ask PayPal, if there were to provide additional information, I must have been asked first before putting in a restriction. Now who will be responsible for the {$2600.00} that is sitting in my PayPal with a permanent restriction without any certain reasons. I must mention that I have a personal account which is why I am literally confused what seems to be the problem. 

I must say that this act has left me astonished as I did not expect to be treated like this. 

I respectfully request the higher department of PayPal to restore my account access back to normal as I havent done anything wrong or to trick PayPal system at any stage. I am open to provide with additional piece of information if required. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : 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 XXXX 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 2023-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial auto loan the vehicle totaled on XX/XX/XXXX my primary insurance paid them amount of payment was XXXX dollars I had also a gap insurance in the loan for the last XXXX  years and there not wanting to pay off the balance but Ally has been reporting non payments for XXXX and contacted them about the problem about this situation and the words that I have to pay the loan amount what was left owing on the contract I had a XXXX payment on the XXXX that wasnt due until the XXXX of XXXX so my response to them was I wasnt paying a dime to them and still reporting non payments on my credit 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 explanation
Consumer complaint received 2023-05-12 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: MI

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 2023-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I receive HAF payments in the amount of XXXX. However these payments are posted to the account on different dates each month and in order to avoid late reporting to credit and late fee I made a payment on XX/XX/2023 in the amount of of XXXX the reason i made the payment in this amount is because my mortgage insurance increased and my escrow monthly is XXXX. So the amount that HAF pays is not enough to pay the full mortgage and I am responsible for the difference. I wanted to pay down my escrow so that my mortgage payment does not increase. I called US bank and spoke to a rep who told me to pay XXXX directly towards the escrow and that she would put in a request to have a escrow analysis done so that the monthly payments would decrease. I made the payment and the rep put in the request and advised that it will take up to ten business days. 

As of today XX/XX/2023 I reviewed my account online and it shows that the payment of XXXX is in a suspense account and that I have a past due balance that was due on XX/XX/2023. I called Us bank and spoke to someone in mortgage assistance that's states that because I paid XXXX and not the difference they can not apply the funds to my past due mortgage and basically stated that HAF paid the balance because of unemployment. I told the rep that I was never unemployed and that HAF assisted because of the reduction in my income.

I also asked as to why I am charged late payments when HAF sends batch payments to the bank on the first of every month and its not fair that I am charged a late fee because US BANK doesn't post on time. This unacceptable and the XXXX should be applied to my mortgage payment especially since it is showing past due.

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 2023-05-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In reviewing my credit report on XX/XX/23, it was noted that an account I have disputed as " not mine '' is still reporting after disputing this information with EXPERIAN. Experian has not provided proof of ownership of this account and continue to report this inaccurate information damaging my credit worthiness. I am requesting the proper verification and accuracy of this 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 explanation
Consumer complaint received 2023-05-12 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I did not open a new account on XX/XX/XXXX with anybody. A new account was opened up called Feb Retail and I have never ever heard of these people. Please help me get rid of this. I have no way of contacting them because I don't know them or where this account came from. It is showing i. My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: TN

Complaint narrative:
I do not know anything about Fox Collection. The info randomly showed up on my credit. I disputed and it was removed then recently I received texts from this company. I didnt give them permission or authorized them to text me. I dont have any business with them. The bill in question was paid to the XXXX of XXXX XXXXXXXX back on XX/XX/2021 @ XXXX for the amount of XXXX. The receipt # is XXXX. 

I want to ensure all my credit reports are not reflecting this company as I dont know them, didnt sign any contracts with them and for them to stop reaching out to me. I feel like Im being harassed as well as texted messages being sent without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
This account with XXXX XXXX XXXX was paid satisfied in XX/XX/2018, it is showing up on XXXX and Trans Union as a derogatory CHARGE OFF. It was never a charge off and my payments prior to settlement were on time. I verified this with the Company but they have not changed the credit bureaus status.

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 2023-05-12 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: CA

Complaint narrative:
This account with XXXX XXXX XXXX was paid satisfied in XX/XX/2018, it is showing up on Equifax and XXXX XXXX as a derogatory CHARGE OFF. It was never a charge off and my payments prior to settlement were on time. I verified this with the Company but they have not changed the credit bureaus status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX keeps double charging me for purchases. They have done this with many XXXX purchases and now just did it again with an XXXX purchase. I need my money and they keep taking it without any records or explanation other than a fleeting notification that a purchase price has just been " adjusted '' They have stolen hundreds of dollars from me this month alone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Account number XXXX The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this is unacceptable. Please remove this account from my credit file immediately

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