vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have called Experian and XXXX multiple times, to advise them that my information is floating around on the black web. I also advise them that the inquires on my account are not initiated by me and someone else is using my information, without my permission. I have already called the non-emergency line for the police department, which they advise me there is really nothing they can do. I told each rep from the credit reporting agencies to provide me with a wet signature to show proof that these inquiries are mine, there has been no credit under those inquires attached to my account. Both rep for each credit reporting agency only kept transferring me to different departments, no one could provide me with what I was looking for or proof that it was actually me that applied for these items. I am requesting Experian and XXXX to provide me with competent evidence that these inquiries were in fact authorize with a bearing wet signature for permissible business purpose. All of the inquires on my account from Experian and XXXX must be deleted from my credit report immediately. Delete all the misleading information and unauthorized inquires on my credit report. This is way fraud has been placed on my credit report, even though it does not help or stop the use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through Klarna, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections. We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 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: PA

Complaint narrative:
I'am a victim of idenity theft I'am including attachments which are FTC report, Equifax XXXX breach, and the letters I sent the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: PA

Complaint narrative:
I'am a victim of idenity theft I'am including attachments which are FTC report, XXXX data breach, and the letters I sent the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
The company is reporting a debt on behalf of another medical service provider without a proof of my ownership of debt. The debt they have marked as Dispute state, though in my opinion there is no dispute that I do not owe this debt. Yet, they have reported to credit beureus as Collection, hurting my credit score and credit worthiness. 

In fact a credit card application was rejected solely due to this reporting causing me enormous irrepairable financial loss. 

The fact is the debt is not valid. It seems to show one bill from 6 years ago that the original provider XXXX XXXX, that they claim I owe. The fact is that I was in hospital between life and death situation. Hospital was directly coordinating all care for me without my knowledge and approval of each procedure. I had not authorized XXXX XXXX  any money to be directly charged to me or ownership of such procedures. All bills over half a million were processed and paid by my Insurance company for many other providers. What transpired and why their bill was not paid is beyond my knowledge. There is no proof that they provided this service to me or I authorized by me. Nor I know whether they submitted to insurance and got paid or not paid or rejected due to what reason. All I know is I have paid everything whatever insurance has been telling me I owe. If insurance did not tell me I owe to this provider, the bill is not legal. 

THIS DEBT COLLECTION MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
Yesterday i received an XXXX alert about an AAFES credit card account was opened in my name. They verified the account information and noticed it was not accurate information. I contacted the company and they closed out my account because I didnt apply for this card. I was then told to contact XXXX to file a fraud dispute. 

I contacted XXXX who documented my report of fraudulent activity. Locked my account and advised me to file a police report or FTC report for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There was a mixed credit file that I became aware of back in XXXXXXXX XXXX XXXX After years of fighting with the credit bureaus and sending over documentation to correct this issue, their negligence has caused so much distress. Credit card companies, hospitals, debt collectors, etc have confused my identity with someone else because of this mixed credit file. We have had multiple situations like XXXX XXXX merging my credit card account with someone else. I have also had hospital bills put in other persons name/insurance. I could not resolve the issue because my personal medical information was under someone elses social security. Some of these hospital bills took months, years to fix, thus preventing my insurance company from back paying these bills due to a limited time period after my social, name, address was verified and adjusted. I have filed disputes with the bureau regarding some collections and false credit reporting and have been denied any kind of resolution. Hippa complaints have also been filed. The bureaus have compromised my identity, personal information, and privacy due to irresponsibility/negligence. We have consulted with an attorney for a possible lawsuit but have not yet hired a legal representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There was a mixed credit file that I became aware of back in XXXXXXXX XXXX XXXX. After years of fighting with the credit bureaus and sending over documentation to correct this issue, their negligence has caused so much distress. Credit card companies, hospitals, debt collectors, etc have confused my identity with someone else because of this mixed credit file. We have had multiple situations like XXXX XXXX merging my credit card account with someone else. I have also had hospital bills put in other persons name/insurance. I could not resolve the issue because my personal medical information was under someone elses social security. Some of these hospital bills took months, years to fix, thus preventing my insurance company from back paying these bills due to a limited time period after my social, name, address was verified and adjusted. I have filed disputes with the bureau regarding some collections and false credit reporting and have been denied any kind of resolution. Hippa complaints have also been filed. The bureaus have compromised my identity, personal information, and privacy due to irresponsibility/negligence. We have consulted with an attorney for a possible lawsuit but have not yet hired a legal representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I turned XXXX XX/XX/XXXX. At that time Navy Federal was suppose to remove any of my parents from.my account. They gave me my own user ID and passwordXXXX XXXX XXXX XXXX sent me a school refund. Navy Federal took my federal money for my books and housing and applied it to my moms debt due to her thinking unemployment had finally paid her back pay. I contacted them and they said they had a right to take my school funds because she was a joint owner on my account. That is not true. I never gave my mom nor did she attempt to be joint owner of my account after the age XXXX. Navy Federal wanted to right a wrong so took money from both me and my aunts accounts. This is a violation. My money has nothing to do with my account and not can Navy Federal.provide anything where I gave them.permission to make anyone joint owner of my account. I live separately from my mom and have for over a year. They took my money and it is not ok or right. And they gave someone illegal.access to my account that I did not give. Once I'm XXXX, I get to make my own decisions and navy federal violated that. Then use their mistake to take funds that were not owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: MD

Complaint narrative:
This debt has been disputed, and was in my favor. It has already been removed from my credit bureaus before with the other collection agency that it was with before. This is not my debt. This company continues to harass and call my phone multiple times a day, and one point pretended to be someone else. Now once again this is being reported to my credit bureau accounts and causing harm and negative impacts to my financial situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was a BB & T customer and the merged with Suntrust and now its Truist. All the years I was with BB & T they provided payment booklets. Ive always made my mortgage payment on the 15th or 16th of each month. I most always pay by phone before the late charge is accessed. If the payment falls on a weekend I will personally take it the bank. 

Since they merger I finally one month XXXX look at statement and it stated I had all these late charges. I never know anything about large charges. I called the first time spoke with a XXXX and she said I had payment make on the XXXX. I said I have until XXXX before charging a late charge. She couldnt give me a answer. I was transfer to manager name XXXX XXXX?. She stated since the merger there have been a lot of complaints about late charges. She stated collections should have call me. I told her I have never received a letter nor call regarding a late payment. Also, when I call to make the payment no mention of it either. 


I have tried calling an speaking to different people with and leaving voicemail with no return call. 
The last manager left message for was XXXX and voicemail with no last name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In either XXXX or XXXX of XXXX  a checking account was opened in my name at Bank of America. I did not open this account myself and have no knowledge of who did so. I have spoken with Bank of America and they told me that the account is now closed. I just want to be sure my information is protected as well as my finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Ive called for a few months trying to get help with my car loan. I fell on some hard times and I reached out to PNC for assistance. Every time I called a different representative told me different information. I tried to do a deferment and was denied. I tried a hardship loan and was denied. The hardship would take 50 % off of my current monthly payment for 3 months which would have been doable for me at the time and I was denied. I tried to refinance and was denied. I was trying to avoid repossession because I have multiple doctors appointments and my daughter takes me to all of them. Without a car its almost impossible. In XXXX I applied for the hardship loan and a representative told me that I was approved for the loan and I was relieved. Come to find out the representative told me false information and I was not approved. I had made an arrangement to make payment and I had the money, when she told me I was approved I was so ecstatic and I told her I was still going to make the payment. She told me not to make the payment because I was approved for the hardship. She told me in 7 days I would receive a letter stating the payment dates. I double checked and asked her was she sure because I was denied recently and she reassured me that I was approved and not to worry. Seven days went by and then PNC called me and told me I had to make a payment. I then mentioned to them what the representative told me and they said that is not true. I was so upset because you guys use the same system so how am I approved one minute and not the next. The representative then said that the other representative shouldnt have told me that because it wasnt true. So then an investigation was started and the manager from consumer finance called me and said that there was nothing that they could do and that the representative that told me that will undergo more training and that was it. I still couldnt get help from a bank Ive been with for 3 plus years so after all of that they came and repossessed my car so now Im without a car after multiple attempts of reconciliation and none was offered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 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: PRONTO FINANCE INC.
State: WI

Complaint narrative:
XX/XX/2022 I called this loan creditor to send me a copy of the original contract, pay off disclosures, auction receipt ( since they sold the property ) loan insurance proof, and balance history payment. Gave them the legal 30 days to produce it, come to check on XX/XX/2022 I believe they end up closing it on their end writing it off as " bad credit '' but never sent me paperwork? No proof? It does not reflect closed in all XXXX main credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I got scammed on XX/XX/XXXX on a sunday between XXXX XXXX  and XXXX XXXX  of the amount of XXXX dollars I was sopost 2 send a 1 time payment 2 this women but she scammed me in texting me as if it was zelle assuring me that my money didnt go through due to my protection and my money was refunded so I kept trying and yea she just ended up scamming me preety bad I have the documentation for proof and zelle nor my bank want 's 2 refund me so Im here asking for help please and thank you there must b something I can do this women did fraud and pretended 2 be zelle and I'm a fool for falling for it but had no clue zelle didnt do that

Company response to consumer: Closed with explanation