vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion I have applied several times for a credit card offer from XXXX XXXX bank. I was rejected the first time because I was unable to lift the freeze on my credit report because TransUnion had suspended my account because they claimed they could not verify my information. I followed steps to have my information verified and by filling out forms was able to regain access to some sort of account at TransUnion. 
After getting the same credit card offer in the in the mail from XXXX XXXX bank I reapplied. I called Transunion and was able to get a temporary lift of the credit report freeze. 
XXXX XXXX attempted to access my credit report again today and I do not know if they were successful. I received a text and an email from TransUnion informing me that I needed to authorize this inquiry by logging into their True Identity product. I was unable to log into the TransUnion product XXXX XXXX as my TransUnion log in is not valid for that TransUnion product, but somehow I have access to this product via another credit card company. I was able to log in to XXXX  XXXX using those credentials but there was nowhere to authorize the XXXX XXXX inquiry that I was told to authorize. I did, however, see from this session that as a result of all this messing around in TransUnion, TransUnion decided my credit score should be dropped by 7 points. And as far as I know I have no way of authorizing XXXX inquiry so that I can do something as simple as obtaining a credit card My complaint against TransUnion is that their web site is intentionally confusing so they can pressure consumers into buying additional products. I also believe TransUnion is intentionally making it as difficult as possible for consumers to easily manage the protection of their credit information via a freeze so that TransUnion can dispense with the whole mechanism of freezing credit information. Why would I go through the considerable trouble of unfreezing my credit if I was not expecting an inquiry and therefore why does TransUnion need me to authorize an credit inquiry from a legitimate bank? And why would I need numerous different log in credentials if not to make it more difficult to manage my credit information protection. 
My second complaint is that TransUnion is lowering my credit score because of TransUnions anti-consumer policies is a form of retaliation for actually making them respond to the needs of a consumer. It was obviously not a human decision but is something built into their scoring algorithms. 
Thank you for considering this complaint about a credit reporting agency. I am glad that there is now a federal agency finally looking into this industry.

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 2021-07-21 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXXS CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX XXXX XXXX XXXX CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX  CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it XXXX concern : I have been contacted by your company about a debt you allege I owe. 
I am instructing you not to contact me any further in connection with this debt. 
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. 

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.

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 2021-07-21 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: First Federal Credit Control, Inc.
State: GA

Complaint narrative:
XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX  SERVICES CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX  FIRST FED CREDIT CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it may concern : I have been contacted by your company about a debt you allege I owe. 
I am instructing you not to contact me any further in connection with this debt. 
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately.

Enclosed will be a copy of my police report pertaining to the item supporting my position.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: FL

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Receivable Performance Management keeps calling although I already explained the debt is not mine, maybe due to the identity theft. But the agent, XXXX XXXX, insisted on paying the debt. This conversation was on XX/XX/XXXX. 
The phone number, XXXX from XXXX XXXX. I was told that I owe {$130.00} for the last eight month bill. The number is not belonged to me nor my family. But she doesn't listen to me, kept repeating that I owed. I am sure she was trained like that. 

I called the XXXX XXXX about the phone number. The customer service agent was not able to pull out the number. But she advised me to ignore the call from the collection agency. 

The collection agency keeps calling, stop me working. I am too tired and these calls have to be stopped. I am sure there are many others who become victims of this collection agency.

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 2021-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like XXXX and Experian to take a look at XXXX XXXX credibility. They are reporting to XXXX that om XX/XX/XXXX my balance was {$350.00}. They are also showing no late payments and that I made a payment but my balance is still {$350.00}. How can my balance in XXXX be {$350.00} and I made a payment on XX/XX/XXXX and my balance still be {$350.00}. This is what they reported to Transunion. Then they told Experian that on XX/XX/XXXX my balance was {$440.00} and I had made a recent Payment of {$40.00} however on they payment sheet with Experian they show no payments. Then they told Experian that on XX/XX/XXXX my balance was {$350.00} and I made a {$90.00} payment. Then they told Equifax that my balance as of XX/XX/XXXX is $ XXXX They have made 4 completely different reports to all 3 credit bureaus. How can they be allowed to keep their trade line n my credit report when thy are reporting all these different things. Which version of their incorrect reporting are we superposed to believe? see attached documents from Experian, XX/XX/XXXX and XX/XX/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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I refinanced my home with XXXX  approx 18 months ago. XXXX  transferred my mortgage to XXXX who, in turn transferred it Mr. Cooper on XX/XX/XXXX. In XXXX of XXXX, I accidentally paid my mortgage twice. I contacted XXXX and they said I could fill out the forms for a refund or when they transfer the loan to Mr. Cooper, they would tell them that my first payment was due XX/XX/XXXX. As you'll note from my emails this did not happen. In addition to the email, I have talked to someone at XXXX and Mr. Cooper over 15 times since XXXX. 

Each time, I would say, " I need this resolved and I'm worried that this will reflect my credit ''. I was assured it would not affect my credit while it was being investigated. 

Because I was being told so many different things from so many different people I decided I couldn't trust what I was being told so in XXXX, I paid the mortgage payment that I didn't owe just to prevent any future problems. I have owned my home for 30 years and have never missed a payment. 

I just received notice from one of my creditors last week that Mr. Cooper, had, in fact, put a derogatory " missed payment '' on my credit report. My score immediately went down over XXXX points. 

I have emailed Mr. Cooper and talked to a service rep. They have not returned my email and the service rep was going to talk to a supervisor and get back to me. They have responded to neither. 

I tried 7 on your side first and they suggested I contact you. 

Thank you. 

XXXX XXXX ( XXXX  ) The Loan may be under The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
Dear Discover, Mutiple times you have told me that you do not have actual verification of the account in question being opened by me.

You have been sent an Id theft report from the ftc. You have ignored the theft report, and you continue to commit fraud by verifying the debt with the credit bureaus, despite having told me mutiple times you do not have any signature of mine anywhere.

If you can not provide a document with my signature on it, then all you can verify us that someone used my information to open an account. I am a victim of identity theft, I was also part of the data breach.

You claim you sent an email to the email address that the account was opened with, and I responded. I did respond, but you sent it to my email address, you told me the account was opened with a different address than the one you sent it to. The difference between the two email accounts is the number " 2 '' is in the one it was opened with according to you, and my email address does not have the number 2 in it, which is where you sent the email I responded to. 

As far as not returning my calls, once I request a call back you can call me, even if i requested no further calls earlier. Its seems ridiculous that you would suddenly care about laws and rules when it comes to phone calls, though you are misguided, but suddenly not care as you continue to verify a debt without any verification that I opened the account other than someone used my information to open it. 

If you are unwilling to respond to the cfpb, please extend that courtesy to the credit bureaus as well. Dont respond to the next set of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, we received a phone call from a XXXXXXXX XXXX XXXXXXXX employee. At the time I was at quarantined at home with XXXX children on " XXXX '' school. After a pressured conversation and threats to cut the power to our home in which he brought a number of proofs to validate himself, we paid him in 2 transactions totaling an amount of {$2200.00} for an account that we believed was in arrears. Immediately, after hanging up the call, we realized that the call was fraudulent. Running over to TD Bank in a panic, we tried to stop the transactions. Both of them said " pending '' and we were told that there was a chance to stop the payment. We began a series of desperate phone calls to bank managers, supervisors and higher ups in the hopes of somehow recouping the money. The calls were either not answered, or were not returned. We essentially, were " blown off ''. For us, the amount of this transaction is significant and the absolute disregard and lack of attention from the bank was appalling to us. We have been banking with TD Bank for 10 years and have 9 accounts with them. When we finally reached a vice chairman, after an initial very rude exchange in which he implied that we were a bother, we were told that there was nothing they could do for us as the payment went through immediately. This is very strange to us as the bank records show the 2 payments posting on 2 different days, yet they were made minutes apart. As such, we believe that had we received the appropriate attention, we could have stopped them from going through. It has been a large case of neglect, negligence and general disrespect towards us the customer. We are still seeking recompense for this maleficence and are strongly considering closing our accounts and going elsewhere. In the meanwhile, maybe if this complaint is seriously recognized we might get the deserved attention and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}, {$0.00}, {$5800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XX/XX/2020, I scheduled a XXXX  ( XXXX  XXXX ) with a Dr in XXXX. When I started the contractual procedure the rep XXXX XXXX XXXX stated she would need a XXXX deposit, and then I would apply for credit to cover the remainder. The credit card company they use is XXXX. I authorized XXXX deposit to be withdrawn from my bank. I then proceeded to apply for credit. I was approved and they took the balance from the card the next day or so. My actual XXXX was not until XX/XX/2020. When it came time for the XXXX, they were requiring me to get additional services. Previously the XXXX center was running a promotion for the exact service XXXX XXXX XXXX XXXX, I asked to have it added to my services, I was told by another rep that they would have my coordinator add it. When I was getting ready to for the trip, I was then told I had to add this service for an additional XXXX dollars. I explained to XXXX that I thought it had been added already. She stated that once your contract is made it can not be changed. I then explained to her that by her requiring this additional procedure that she is changing modifying/changing my contract. She got upset and said that I either have it or don't have the procedure done. I then canceled my procedure due to them amending my contract without prior approval and without proper notification. They then charged CC XXXX deposit. I have disputed it over and over. I feel like I don't owe the deposit, due to contract modification with approval nor timely acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
HSBC BANK USA DID A CHARGE BACK ON MY ACCOUNT FOR PURCHASE FOR XXXX  PHONE SERVICE. THE PURCHASE WAS ON XX/XX/XXXX FOR {$80.00}. THE CHARGE BACK WAS ON XX/XX/XXXX. THE BOTTOM LINE IS I HAD TO PAY XXXX  TWO TIMES WITH THE CREDIT CARD AND GOT CREDIT FOR ONE, I CALLED XXXX  ON XX/XX/XXXX, AND THEY ADVISED THAT THE SERVICE WOULD BE DISCONNECTED ON XX/XX/XXXX IF I DID NOT PAY. I ADVISED I PAID BACK ON XX/XX/XXXX. THEY ADVISED HSBC BANK DID A CHARGE BACK. THE BOTTOM LINE IS {$80.00} IS MISSING. I CALLED HSBC ON XX/XX/XXXX AND ADVISED THERE WOULD BE A CREDIT FOR {$80.00} ON THE CREDIT CARD. I AM OUT {$80.00} FOR SHADY DEALINGS WITH THIS COMPANY. I WANT {$80.00} BACK ON MY ACCOUNT AS A CREDIT.. I CALLED HSBC ON XX/XX/XXXX AND THEY ADVISED THEY WOULD CALL BACK. I HAVE BEEN HUNG UP NUMEROUS TIMES AND NOBODY CALLED ME BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation