vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 2. Identity Theft XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from 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 non-monetary relief
Consumer complaint received 2022-06-27 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting XXXX  Account # '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: VA

Complaint narrative:
Company has reported same medical debt 5 times in credit report. I have contacted the original creditor who verified that only one amount is valid. This bill is attached. The collection agency has reported this debt identical times on all reports. I would like all duplicates and the original to be removed as the multiple false reporting is harming my credit and is a violation of the FCRA.

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 2022-06-27 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: VA

Complaint narrative:
Company has reported same medical debt 5 times in credit report. I have contacted the original creditor who verified that only one amount is valid. This bill is attached. The collection agency has reported this debt identical times on all reports. I would like all duplicates and the original to be removed as the multiple false reporting is harming my credit and is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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:
I have attached an FTC report with an account and Inquiries I did not authorize

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 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliant Capital Management LLC
State: SC

Complaint narrative:
Contacted via phone a by representative of Alliant Capital Mgmt regarding an outstanding debt of {$980.00} with XXXX XXXX XXXX XXXX. A leasing agreement for a XXXX XXXX digital product was initiated on XX/XX/XXXX using my personal information ( address & ssn ) by someone other than myself. I did not make nor was I aware of this purchase until notified by the debt collection agency. 

Origination date of lease was XX/XX/XXXX with installments being paid through XX/XX/XXXX. The account # is XXXX. 

I've subsequently filed a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NC

Complaint narrative:
National Recovery Agency ( NRA ) has claimed two debt collection accounts on me, which has affected negatively on my credit scores. NRA 's total claimed debt amount is {$520.00}. One is {$410.00} ( open on XX/XX/XXXX ), and the other is {$110.00} ( open on XX/XX/XXXX ). Both of them are for XXXX XXXX. Can you let me know what is the nature of the bill? How can I address this problem? 

I am a XXXX XXXX. During the pandemic, I was not in the United States ; I don't believe they have contacted me in the way that I can understand what is happening and how I can address this situation. 

Please let me know what you think.

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 2022-06-27 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX and new reference number is 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 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I did not authorize a few Cash App transactions. There was a {$27.00} transaction that was made on XX/XX/22 at XXXX that I did not authorize. There was another {$130.00} transaction that was made at XXXX on XX/XX/22 by the same user. Also, there was a {$200.00} was a receipt from XXXX that didn't even go through because I was told Cash App was down at the time. The person that scammed me made it seem as though she would deposit into her Cash App for me and wire me the money through to Cash App. However, she never did. I was defrauded by this person by both wire & check fraud with a 2-day timespan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Chime Financial Inc
State: GA

Complaint narrative:
On Monday XX/XX/2022, my account was charged for {$340.00} by pretty little things limited. I disputed the charges with Chime and the dispute was denied. No explanation was given as to why the dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX ACCOUNT XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-06-27 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 2.Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from 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 non-monetary relief
Consumer complaint received 2022-06-27 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: PA

Complaint narrative:
I filed an Identity Theft report when I learned that someone was using my identity during my incarceration. I submitted documentation about identity theft and my incarceration and XXXX and Transunion disregarded it. They didn't even block the account for 30 days upon receiving the information. I also received a letter from the IRS stating that someone filed a tax return in my name during my incarceration. 

Account US Dept of Educatio Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I have a XXXX XXXX Credit Card through Comenity bank. Their website has been down for several days and their customer service phone lines are also down. I am unable to pay my bill because I can not access my account at all. I reached out to them on XXXX and they responded with a generic apology message for the inconvenience. It provided no information about when my account may be accessible and if I will be penalized for my payment being late as a result of their system being down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
I have made several attempts to rectify all the issues I am having with Selene Finance. The have promised to correct all of the errors that they have made however they have failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
At time of closing the mortgage broker said, since rates are so low ( XXXX % ) you could save your down payment, it would require PMI monthly fee, but once your below that 80 % mark the PMI would be removed with a phone call. 

Now the mortgage company is stating that they have the right to access my home and do a complete inspection before which could cost as much as {$500.00} in fees and services. They flat out lied, direct to my face! They lied so that I would pick them over other company offering a lower rate and stating that the other companies would be harder to work with. 

My mortgage company has been a disappointment on so many occasion now. This has been the last straw ; its " time to address this issue.

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 2022-06-27 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
With Comenity Bank, I have both the XXXX  XXXX  XXXX  and XXXX XXXX. For my XXXX XXXX XXXX, I have been trying to make a payment since XX/XX/XXXX since my payment is due on the XXXX of each month and have not been able to log in. It stated the system was updated. Have checked every day and it states it is still being updated and it has now been going through a " planned system update '' that has been taking a long time now. I've called to make a payment by phone and no one answers either. I just want to make sure I don't get charged a late fee and have my credit score go down. When I call it states their offices are closed ... and now even my card is being declined. 

For my XXXX XXXX account, the same thing is happening. I can not log in, that payment is due on the XXXX and I can't seem to log in either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Today is XX/XX/2022 and Ive been trying to make payments on credits card that I have with Comenity Bank for days and the systems are down and Im unable to make payments. When you call customer service its say the offices are closed until further notice.Due to these issues I will incur late fees at XXXX each due to a system outage.The online website says my accounts are closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citbank credit card application filed in my name that I did not apply for. I was noticed XXXX, XXXX  by Citibank, then received an application denial XX/XX/2022. There was a hard inquiry to XXXX filed based on the application on XX/XX/2022. XXXX was notified of this 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 2022-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with an account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Identity Theft XXXX  Date of inquiry : XX/XX/2020 The inquiry was not authorized please removed it from my credit report This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report. 
5. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I first got notification that I had a collection account with Transworld Systems ( TSI ) when it popped up on XXXX XXXX. Prior to that notification I had NO communication at all from the collection company. I have had the same phone number for 15+ years so that couldn't have been their hold up on not calling like all collection agencies do. 
I had also not gotten any word from XXXX ( the original creditor ) that there was a balance due. This account was closed when I was forced to move out of my home in the middle of the COVID pandemic- and was unaware that there was a balance due. 
As soon as I saw the ding on my credit from the agency I tried to call and get the debt cleared up and handled. I called every day for two weeks with no answer from them and kept getting busy signals or the notice that the number could not be completed as dialed. Strange.

Once I was finally able to get ahold of someone there at TSI, they did not want to help me. They would not set up a payment, validate the amount, or tell me why the amount of the collection goes up by {$2.00} every week. I have called multiple times and every time I try to set up payment they hang up on me. I don't know how I am supposed to get this collection off my credit if they won't work with me on it or take the payment? 
Very unprofessional and there are some interesting tactics going on here to ensure that they keep these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I chose to use Experian ID Protection because they are rated the best. They are very secure online, however if you call directly, removing a freeze or lock is extremely easy. All you need is a social and date of birth. I have now put a security question to protect the block, but somehow the person trying to gain access to my account was still able to remove the Lock. 

I like the service, they are the best. But I need a safe word or some other feature in order to protect my credit. I was told there was no way I could have that added to my account for my protection because that is not a part of their procedures.

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 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received an email from Bank of America stating that a debit card was successfully opened in my name. I did not nor have I ever had a bank account with Bank of America. I called the company and they confirmed that a debit account was open for me, but refused to give me any information or close the account because whoever opened the account used a phone number that is not mine. 

I was on the phone for XXXX hours and transferred to multiple people including the fraud department. Each time I explained the situation I was cut off or transferred again. The account is open in MY name, MY email address and MY social security number. I'm assuming they have my date of birth as well. Despite me having all this information, Bank of America would not assist me in closing the account simply because the " fraudster '' used what I'm assuming is their own phone number which doesn't match up with mine. 

I just want to close this account because I did NOT open a debit account with Bank of America and it is not 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 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: OR

Complaint narrative:
My loan was sold to Selene Finance in XXXX. I did not choose them as a mortgage partner, but they were thrust upon me and have been terrible to work with ever since. 


In this case, I was never made aware of an escrow change, and an increase in my monthly payment for XX/XX/XXXX. I have an automatic payment from my bank which paid the original amount due on XXXX aqnd XXXX of {$4200.00}, apparently {$50.00} less than the new payment amount ( {$4200.00} vs {$4300.00} ). I didn't know about the increase in escrow for the XXXX payment as well. Instead of applying the payments and letting me know about the escrow deficit, Selene put the entire payments into " unapplied funds '' and showed those payments as not being made at all. Missed payments were reported to the credit bureaus. When I did find out about the escrow shortfall, on XX/XX/XXXX i sent a payment of {$100.00} that same day and was also told any late fees and charges would be waived. I have since been on calls for hours, been routed to a supervisor 's voicemail only to never have calls returned, had a dozen dropped calls, and basically gotten nowhere through their customer service. I have since found out that my credit score has been negatively impacted, that the late fees were never taken off my statement, and that Selene 's reporting processes have lost me financing I am working on for investment properties I own.

Company response to consumer: Closed with explanation