vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 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: Westlake Services, LLC
State: GA

Complaint narrative:
The Fair Credit Reporting Act 15 USC 1681 Section 602 8 states I have the right to privacy ; 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish anyone information on your account information without my written instructions. So this complaint is about my invasion of privacy, NOT the validity of the account. These accounts listed below are in current violation with my right to privacy pertaining to Fair Credit Reporting Act regulations labeled above : WESTLAKE FIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX In fact, before anything is reported to the public the credit bureau is to notify me as consumer on how and what they want to report and I am to consent or not consent. AGAIN, This IS NOT a claim questioning the validity of the account, however, it clearly exhibits how the creditor at hand is improperly utilizing my information and any other entity ( such as the CFPB ) allowing them to do so is to be an accomplice to a blatant crime. 
Any transmission to follow this complaint should DIRECTLY address the two malicious violations detailed above, for your failure to not following federal protocol which is a very serious infraction and will be treated as such. I'm sure officials at CFPB agree that if the law exists it must be followed. 
If you can show me where you have been communicating with me in writing 30 days BEFORE reporting to the public and/or have any evidence I consented to what you have been reporting on this account I will relinquish you of this complaint. Nevertheless, If you do not have proof of following the federal guidelines I expect the account detailed above to be deleted within 10 business days and all illegal monies extorted over the duration to be reimbursed to me in full in the next 30 days. 
Please be aware I am familiar with the legal definition of " racketeering '' which I will provide for you below : 18 USC Section 1961a Any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, EXTORTION, dealing in obscene matter, or dealing in a controlled substance or listed chemical ( as defined in section 102 of the Controlled Substances Act ), which is chargeable under State law and punishable by imprisonment for more than one year ; 18 USC Section 1961 ( 3 ) ( 4 ) ( 3 ) person includes any individual or entity capable of holding a legal or beneficial interest in property ; ( 4 ) enterprise includes any individual, PARTNERSHIP, corporation, association, or other legal entity, and any union or group of individuals associated in fact although not a legal entity ; Which will be my future claim if this illegal activity fails to come to an IMMEDIATE HALT!

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 2022-11-13 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: OR

Complaint narrative:
I am a natural person, I am a living Human Being. I have rights under 15 USC 1681. EQUIFAX is govern by 15 USC 1681. And they have Violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give EQUIFAX permission to furnish these accounts. Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-11-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a FTC Report because I found inaccurate accounts on my credit report and nobody is helping 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 non-monetary relief
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
XXXX XXXX  of XXXX ( XXXX ) mailed us a final notice for payment, dated XX/XX/2022, at our address charging XXXX {$390.00} for services performed on XX/XX/2022. They stated that it was the final notice and the last statement was sent on XX/XX/2022 - we were informed to pay the entire {$390.00} or our account would be placed with a collection agency within 30 days. We had not received any of the prior statements and XXXX had not notified our health care insurance provider ( the address and medical provider details were provided to the practice multiple times ). Upon calling XXXX 's billing department and speaking to them on XX/XX/2022, they confirmed that they had pulled up an incorrect address from the system instead of our current address that had been provided to them and had also failed to report the services to our health care insurance provider. They informed us that they will correct the address, process the claim through our insurance provider, and that the clock resets for 30-45 days. We received no updated bill from XXXX but on XX/XX/2022, we received a mail from a collection agency with a delinquent account due of {$38.00} ( with insurance having paid the {$350.00} ). They stated that we hadn't paid in response to previous statements. It is clear that XXXX had again failed to update our address and sent statements to an incorrect address resulting in delinquency.

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 2022-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
***Please see XXXX CFPB Complaint - XXXX XXXX ; as the formatting of the complaint is not retained in this 'box '. *** XX/XX/XXXX I am concerned that I am being treated unfairly, with regard to a personal matter on my Citizens checking account in XXXX, due to my affiliation with the financial industry. I currently have derogatory reporting on my credit report from a XXXXXXXX XXXX XXXX and I am convinced this is due to a bank error by Citizens. I have attempted to work with Citizens and XXXX since XX/XX/XXXX, to have this corrected. XXXX has agreed to correct the matter, but Citizens has been less than helpful with resolving this issue. 

I am attaching documents showing my interactions with Citizens and XXXX between XXXX and XX/XX/XXXX. The last interaction I had with Citizens was a phone conversation with assistant manager, XXXX, where I was informed that there would be no further review of my concerns ( since the previous colleague researched the matter ). She also advised that my request to have the {$20.00} return fee, that I was assessed from this issue, refunded was denied. 

1. Why am I being told that it is not possible for the employee who worked my case to have made a mistake, when their job is to help customers resolve complaints and potential errors? Also, I was provided with 3 different response letters and all of them contain inaccurate and incomplete information, as well as typos and grammatical errors. In my opinion, if a thorough review was completed, couldnt those type of mistakes be avoided? 

After I provided the letter dated, XX/XX/XXXX, to XXXX  they denied my request due to Citizens saying I reported the transaction as UNAUTHORIZED. This situation has been extremely frustrating and I would just like to get it resolved. I informed the Bank, multiple times that I AUTHORIZED XXXX  to debit money from my account, but they took out the wrong amount. 

2. Why does the definition of XXXX  XXXX, on the CFPB website, have the below definition of an unauthorized transfer, but Citizens has a different interpretation? 

The transactions appeared to be separate complaint types when I was entering this complaint on the CFPB website. 

Per XXXX  XXXX, on that is not the case. ( m ) Unauthorized electronic fund transfer means an electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 




***I am providing the link to the CFPB website, which contains the information about EFTs. https : XXXX Please note, the aforementioned link is for the version of XXXX XXXX, that was in effect from XX/XX/XXXX, to XX/XX/XXXX, which covers the period when this situation occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
incorrect information on credit please remove old address

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 2022-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while working as an private home healthcare provider. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics XXXX. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience to my life. This collections agency never provided any proof that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America permitted an account to be fraudulently opened with my maiden name, email address, date of birth, social security number, and a former residential address on XX/XX/2022. When questioned about how this was permitted, Bank of American claimed that they use XXXX as their authenticator and that I could place a security freeze with XXXX to prevent future fraudulent accounts from being opened. I had previously placed a XXXX security freeze on my information on XX/XX/2022. When I shared that with the Bank of America representative, she said that their system should not have permitted the account to be opened. Nonetheless, it did. Bank of America representative was able to close the fraudulent account, but did not provide any clear further actions that Bank of America would be taking to prevent a fraudulent account from being opened with my information in the future.

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed that Experian is reporting erroneous personal information on my report. They have been blocking me from receiving a report since XX/XX/2022. I attached my identification and proof of residency. Any other address I have not lived at. so they must remove immediately. They would not remove addresses when I explained to them those other addresses are incorrect.

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 2022-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I just found out that someone used my identity to applied a XXXX XXXX  and took over my mortgage with out my knowledge and permission. In XX/XX/2003. 
Wellsfargo Home XXXX XXXX mortgage allowed the other fraud to applied a informal Loan by using my personal identity and its making me lost my identity and became Victim Of Identity Theft. The loan is {$190000.00}.

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 explanation
Consumer complaint received 2022-11-13 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: FL

Complaint narrative:
In accordance with Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX has violated my rights.

15 USC 1681 602 A states I have the right to privacy.

15 USC 604 A Section 2 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 2022-11-13 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:
In accordance with Fair Credit Reporting Act XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights.

15 USC 1681 602 A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022, with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

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 2022-11-13 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: MA

Complaint narrative:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking #. XXXX According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living with others with whom he is acquainted or who may have knowledge concerning any such items of information.

they stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : 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 2022-11-13 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: MA

Complaint narrative:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking #. XXXX According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting XXXX XXXX Accurate. And according to the FRCA 15 USC 1681 everything has to be XXXX XXXX Accurate. I have the credit report showing the inaccuracies. 

Accounts : 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 2022-11-13 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: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
Every month the Department of Education sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Account compromised account frozen closed transactions and information not received also account numbers not available checks not found Appeals not answered or received Bank card access denied with no explanation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022, with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation