vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXX XXXX  XXXX XXXX. - {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$560.00} 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX of this year, I received a call from the exact number on the back of my Citibank debit card saying there was a suspicious transaction on my account in XXXX, GA. I confirmed that wasn't me and he said he wanted to protect my account from further fraud. He asked me for information - exactly what I don't remember - but essentially the same information a bank would ask if they were trying to access my account. He sent me prompts from a text number that had sent me Citibank prompts as well. When a request for a wire transfer of {$9800.00} came up, he said to accept it - that it was not a real wire transfer but just a sample prompt to make sure I received fraud alerts moving forward. I quickly hit accept and immediately felt odd about it and then they sent me another transfer request. I didn't respond to that one. Shortly after, he put me on hold and then the call dropped off. I immediately called Citibank and they confirmed that while the number they called from was theirs, they had no record of an outgoing to call that day to me. From there, I was directed through a maze of Citibank representatives and hold times, ultimately freezing the account but it was too late... the money had already left my account. Citibank sent multiple alerts to Bank XXXX XXXX and I filed a police report with the XXXX XXXX Precinct ( # XXXX ) and have submitted to the FBI IC3.

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 2022-09-06 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: CO

Complaint narrative:
i have never been late with any cards since i was XXXX this 1 late payment dropped my credit score XXXX XXXX  and that isnt correct. My credit was XXXX and now reporting XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I took out a loan with LoanMe in 2018 for XXXX or XXXX XXXX dollars - i can't remember now, was paying XXXX a month to them and started struggling to make the payment and did default on making the payments after 2 years. I did initially contacted them and they lowered it for a few months, but when it went back to to the XXXX i stopped making the payments. I guess they reached out via email/mail but i do not recall getting anything. My complaint is that they are now calling family members and have probably called my work place too ( i haven't heard anything from them yet ) I don't even know how they got family members phone numbers and they are going to put a lien on my house they said. I will be trying to get the money together for the amount they said they would settle for XXXX dollars. I just don't want them calling anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CT

Complaint narrative:
On the date of XXXX XXXX XXXX, this company caused damage to my credit reports by reporting this account. 
XXXX. XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN. XXXX Account # XXXX Amount : {$5700.00} XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: IN

Complaint narrative:
In XX/XX/2022 Credit Karma sent me several pre-approved credit card offers. Two were for an XXXX credit card and one was for a XXXX XXXX card. I was denied after applying which is on my credit report and hurt my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: National Credit Adjusters, LLC
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the account has Violated my Rights 15 U.S.C 1681 section 604 A section 2 : It also states that a consumer agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I was sent numerous pre approval credit cards and loans per Credit Karma. When I applied had my credit ran I was denied and it left hard inquiries on my credit which affected my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have had an Experian Identity Works Premium Subscription for approximately ( XXXX ) years and pay {$19.00} a month ; Member ID XXXX. On XX/XX/XXXX I reported Identity Theft and on XX/XX/XXXX, I was contacted by XXXX a Identity Theft Resolution Professional from XXXX, ext XXXX, followed by a email with all her contact details and went over all the support I would receive because I have the " Experian XXXX Works Premium Subscription. As of today XX/XX/XXXX. XXXX I have not heard from XXXX or anyone else in the XXXX XXXX XXXX XXXX In addition, I have phoned XXXX on her extension approximately ( XXXX ) times, emailed her ( XXXX ) times, phoned and spoke with a several customer service reps, the last being XXXX XXXX XXXX who phoned that dept while I was on hold and was not able to reach XXXX or her supervisor. I have called Experian well over ( XXXX ) times since reporting Identity Theft/Fraud and have sent hundreds of documents, liaisoned with my bank and my local police dept with absolutely no help from the Membership Fraud XXXX XXXX XXXX XXXX XXXX My membership comes with a XXXX XXXX XXXX XXXX, I've been paying for since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am contacting you regarding subject account erroneous credit reporting. I am demanding an immediate removal of this reporting from my credit reports as it is hindering my purchase of a home XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Mail code XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ) XXXX The home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was included in Bankruptcy XXXXXXXX XXXX XXXX XXXX Mississippi filed XX/XX/XXXX and XXXX XX/XX/XXXX. The Order of Discharge and list of creditors which includes XXXX Mortgage is attached to this email. 


XXXX purchased this property from XXXX Mortgage after the discharge of the Bankruptcy and proceeded to threaten me with foreclosure. I never acknowledged the validity of this account. It is unlawful to foreclose on property that has been included in a bankruptcy. .Apparently, this is a typical business practice of XXXX since there are so many lawsuits against them. XXXX sold the house and made a profit of over {$100000.00}. 


Again, I demanding immediate removal of the reporting of this account and any late payments and foreclosure from my credit reports. I

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 2022-09-06 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am contacting you regarding subject account erroneous credit reporting. I am demanding an immediate removal of this reporting from my credit reports as it is hindering my purchase of a home XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Mail code XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ) XXXX The home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was included in Bankruptcy XXXXXXXX XXXX XXXX of Mississippi filed XX/XX/XXXX and discharged XX/XX/XXXX. The Order of Discharge and list of creditors which includes XXXX Mortgage is attached to this email. 


XXXX purchased this property from XXXX Mortgage after the discharge of the Bankruptcy and proceeded to threaten me with foreclosure. I never acknowledged the validity of this account. It is unlawful to foreclose on property that has been included in a bankruptcy. .Apparently, this is a typical business practice of XXXX since there are so many lawsuits against them. XXXX sold the house and made a profit of over {$100000.00}. 


Again, I demanding immediate removal of the reporting of this account and any late payments and foreclosure from my credit reports. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: MA

Complaint narrative:
Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX Inquiries : XXXX XXXX XX/XX/2022

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 2022-09-06 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: NJ

Complaint narrative:
Asked for Method of verification of two accounts on my credit reports, Transunion, XXXX and XXXX did provide me with the information I asked for. See attached information forwarded to the credit reporting agencies. Transunion, XXXX and XXXX continued to report the account without providing to me how they came to their conclusion that these account belong to me ( XXXX XXXX XXXX for {$1300.00} and XXXX XXXX XXXX for {$7200.00}.

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 2022-09-06 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 XXXX has me at a score around 590. 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 XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CO

Complaint narrative:
i have never been late with any cards since i was XXXX this 1 late payment dropped my credit score XXXX pts and that isnt correct. My credit was XXXX and now reporting XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
i have never been late with any cards since i was XXXX this 1 late payment dropped my credit score XXXX pts and that isnt correct. My credit was XXXX and now reporting XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland credit trying to take me to court for my auto loan through XXXX XXXX XXXX I pay regularly twice a month total {$300.00} a month for XXXX  XXXX XXXX ruining my credit! Someone is tampering with my credit also been paying back collection debt from XXXX XXXX XXXX debt and yet my credit keeps going down trying to pay debt down for XXXX  but no information just says collection been paying it monthly for a long time promised to let creditors know never did XXXX XXXX XXXX XXXX 3 times and been living in the XXXX  XXXX in XXXX Ma XXXX XXXX XXXX XXXX ma XXXX for a year credit stopping me from getting place to live! Please Help XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loans were fully paid back in XX/XX/2013 per confirming with IRS and tax records as well as verifying through the Navient record portal however this company is committing fraud by reopening my same loans which were already paid by TAX GARNISHMENT and attempting to put me in more debt I've asked several times to confirm why i would owe the same debt again for which was already paid and they can not I believe they are scamming me and selling my paid off information to other parties in order to keep me in debt I've seen them being taking to court per other states outside of Texas and i know for fake this cant be right or legal what they are doing to me i have proof of paid services and no reason or valid explanation from Navient as to why they reopened my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NY

Complaint narrative:
On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I am eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
A complaint was filed on XX/XX/2022 with CFPB in regards to Victoria Secret/ Comenity Bank freezing the Victoria Secret Card provided using a SSN. As a Consumer exercising rights put in place to protect against being mishandled by these Corporations should not result in discrimination. Victoria Secret/Comenity Bank has retaliated against a consumer once again for the rights out in place for this very reason. Victoria Secret/Comenity Bank never gave notice of adverse action 15 USC 1691 ( d ) 3 nor did Victoria Secret/Comenity Bank get written consent to close the account. Victoria Secret/Comenity Bank never sent the requested documents such as the ledger, account records notarized by the agent over the account. Victoria Secret/Comenity Bank are reporting to the CRAs without consent.

Company response to consumer: Closed with non-monetary relief