vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX acct 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Please review the attachement which has been sent via certfied mail to Comenity Capital Bank BJ 's My Perks MasterCard

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
On XX/XX/2022, applied for a personal line of credit and received {$25000.00} loan option continent upon review of paystubs, credit check, tax returns, and tax transcript. All requested items were submitted by XX/XX/XXXX. On XX/XX/2022 received request to authorize company to obtain tax transcripts and was told approval from this point could take up to 30 days. Call two times on XX/XX/XXXX and XXXX to inquire and was told both times still waiting on tax transcripts. To date, I have not received a decision regarding application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I received XXXX separate letters XXXX on XX/XX/22 then XXXX on XX/XX/22 from PenFed Credit Union. Both stated that I have been approved for a XXXX XXXX card I never applied for. I contacted the company on XXXX and indicated that someone has apparently has stolen my personal information and do not approved this credit application. They informed me that they will contact their own fraud department of identify theft and that someone will contact me in 2-4 business days. They also instructed me to contact the 3 credit bureaus of the identify theft.

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 2022-07-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
There were two fraudulent charges made on my BJ 's Comenity XXXX XXXX Card in Colorado on XX/XX/XXXX, yet I live in Florida and have not been in Colorado nor purchased anything online there since XXXX. One was for about {$50.00} and the other about {$35.00}. I have called them every day and their automated system hangs up and disconnects my phone call and they never allow me to report this. I have tried calling at least 6 different numbers for Commenity Bank, their corporate headquarters yet no one will answer the phone and take my complaint of fraud and these charges are now on my bill which I do not owe. 
You can see from the attached file how this is not a charge that I made due to my location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: LEXISNEXIS
State: NC

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.Lexis Nexis also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
On XX/XX/2022 I sent a debt validation letter to Paramount Recovery via certified mail requesting that the company validate a collection account. As of XX/XX/2022 I have not received any correspondence from the company validating the debt that is currently listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc.
State: SC

Complaint narrative:
I received a demand letter from Unifin Inc on XX/XX/2022. Upon checking my credit files to properly start the disputing process Ive noticed XXXX XXXX XXXX reported the same debt with the same account number from the same alleged creditor. Proper documentation from XXXX XXXX XXXX was NOT provided to allow XXXX XXXX XXXX to verify the accuracy of their data before placing their account with the credit bureaus for collection. XXXX XXXX XXXX are not honorable with their collection attempts. I would like for XXXX XXXX XXXX to prove via mail that I was allowed the opportunity to dispute their debt. 

It appears that Unifin Inc and XXXX XXXX XXXX are debt XXXX demanding a debt on behalf of XXXX XXXXXXXX XXXX. I have not received any goods or services from Unifin Inc, XXXX XXXX XXXX, nor XXXX XXXX XXXX and I do not know how Unifin Inc, XXXX XXXX XXXX, or XXXX XXXX XXXX received my private information. Unifin Inc and XXXX XXXX XXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX 

I am not a party to any agreements that Unifin Inc and XXXX XXXX XXXX XXXX or may not have with XXXX XXXX XXXX. I am not responsible for Unifin Inc and XXXX XXXX XXXX purchase / transfer from XXXX XXXXXXXX XXXX. I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 
Please be advised that Unifin Inc, XXXX XXXX XXXX, and XXXX XXXX XXXX will each received validation notices via certified mail. ( I will upload proof upon request ) Each reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 

With proof attached; please be advised that neither : Unifin Inc, XXXX XXXX XXXX or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: NM

Complaint narrative:
Received an email from truist bank stating my account ending in XXXX has been activated. I have never heard of this bank. It is listed under my maiden name XXXX XXXX. My social security number is attached to this account. I have tried contacting the bank and have been hung up on every single time.

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 2022-07-11 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

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 2022-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America was notified of a fraud charge. They closed account opened new credit card and didn't remove XXXX fraud charge that they said they would. After many hours calling BOA no one can help they drop my calls the fee are out of control and I can't get the problem solved

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 2022-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: OR

Complaint narrative:
Homepoint Financial Corp. transferred our mortgage to their service provider on XX/XX/2022. This change gave us a new acct no. We received 2 previous emails XXXX and XXXX stating that if our acct was autopay it will transition the autopay to the new acct and we do not need to do anything. It also stated that if our normal autopay was from the XXXX to the XXXX, they will run the autopay late for XXXX and it would come out on the evening of XX/XX/XXXX. I checked my checking acct on XX/XX/XXXX, and Homepoint took the autopay on the XXXX. Because of their email stating they would take it late in XXXX but they already debited our checking, I felt the need to call Homepoint on XX/XX/XXXX and be sure that there would not be any errors and them taking it out twice thus causing an overdraft. The CSR I spoke with assured me that if it was already taken out prior to the transfer, that it would NOT be taken out again in XXXX. 
Sat. XX/XX/2022, I received a text from XXXX that our acct was in overdraft status. We NEVER overdraft our account. I went into online XXXX and sure enough Homepoint ran the autopay twice in XXXX. They have no customer service on weekends so phoned them at XXXX Monday am. XXXX at Homepoint told me he saw a memo that this happened to other mortgages and that I would receive an email at any time on how they will resolve. I told him I want a supervisor as I need a wire transfer of this money back to my checking today. He told me he requested a manager to call me back. XXXX am, still no return call from anyone, no pending debit. XXXX am I left another message on the Homepoint return call line and as of XXXX am haven't been called back yet. This is unacceptable. This is not a small double payment, this is several XXXX dollars of an unauthorized debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: MO

Complaint narrative:
I applied for an account with self inc I was never able to access the dashboard to make payments I sent several emails to correct the issue with no response I also sat on hold with this company for hrs and never got help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Management Corporation
State: SC

Complaint narrative:
I received a demand letter from XXXX XXXX on XX/XX/2022. Upon checking my credit files to properly start the disputing process Ive noticed XXXX XXXX XXXX reported the same debt with the same account number from the same alleged creditor. Proper documentation from XXXX XXXX XXXX was NOT provided to allow XXXX XXXX XXXX to verify the accuracy of their data before placing their account with the credit bureaus for collection. XXXX XXXX XXXX are not honorable with their collection attempts. I would like for XXXX XXXX XXXX to prove via mail that I was allowed the opportunity to dispute their debt. 

It appears that XXXX XXXX and XXXX XXXX XXXX are debt collectors demanding a debt on behalf of Regional Finance SC. I have not received any goods or services from XXXX XXXX, XXXX XXXX XXXX, nor Regional Finance SC and I do not know how XXXX XXXX, XXXX XXXX XXXX, or Regional Finance SC received my private information. XXXX XXXX and XXXX XXXX XXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am not a party to any agreements that XXXX XXXX and XXXX XXXX XXXX may or may not have with Regional Finance SC. I am not responsible for XXXX XXXX and XXXX XXXX XXXX purchase / transfer from Regional Finance SC. I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional Finance SC. 
Please be advised that XXXX XXXX, XXXX XXXX XXXX, and Regional Finance SC will each received validation notices via certified mail. ( I will upload proof upon request ) Each reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 

With proof attached; please be advised that neither : XXXX XXXX, XXXX XXXX XXXX or Regional Finance SC are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I XXXX have reached out to Equifax Credit several times asking them for access to my credit score and report. Equifax has put in tickets to fix this issue but Im still unable to get a updated score which is a code of violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NC

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.XXXX XXXX also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-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 explanation
Consumer complaint received 2022-07-11 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

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