vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: TX

Complaint narrative:
Beware of this company - They were intending to charge 173 % interest on a title loan from XXXX. The companys response is very unprofessional and somewhat catty with their comments even adding in thier last response to me that I must have " used a languauage for the internet that assist consumers in efforts to clean their credit up ''. Took out a title loan in late XXXX for {$2500.00} with a finance charge of {$8600.00} and total of payments {$11000.00}. After falling on hard times I fell behind on the payments and car was eventually repossesed. In XXXX when I was able to get back on my feet ( and after being continuously harassed, called and hounded ) I was able to agree with a rep to settle my debts. I was told that this would be removed from my credit, even though I was signing a paper that was saying the debt would remain on my credit the rep made it sound as though it was protocol and continued to pressure me into just signing the paperwork. I agreed to pay a balance of {$1300.00} and was told that the car was sold for {$3100.00}. Totaling {$4400.00} paid to loan mart, and a wopping {$1900.00} profit made on the original title loan. I made a general complaint about the company and in retaliation they added new negative remarks to my credit report that was not previously showing dropping my score all for sharing my concern and my known truth about my experience with Loanmart. They use intimidation tactics to pressure people into paying amount owed, signing their paperwork and manipulate people who may not have the best understanding of contracts or legalities. The amount of the loan was paid off, I tried my best to settle my past debt, its not like I am asking them to remove this from my credit after not ever making a payment. The car was repo 'd, I settled the debt and plenty of time has moved past and this big company wants to hold somones credit down going on almost 7 years after they took out a title loan. With this type of practices its no wonder that there is multiple class action law suit that is building against 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 2023-07-07 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: Kriya Capital, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX  list below has violated my right 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Charges below would need them to be remove has they previously was remove and resold to different companies as I have record identify theft was done and has locked on my credit report. 

Account name CREDENCE RESOURCE MANAGE Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: AZ

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I have contacted EdFianacial multiple times regarding my account. I originally filed for the a full refund of my student loan payments on XX/XX/2022 and have not received any updates or movement on my case. It's been nearly a year and they have reinstated my entire balance without providing me any form of my previous refund requested. It's extremely frustrating and every time I reach out to them directly, they claim they is no update and nothing they can do to process it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been a customer ( in goid standing ) with Navient. On XX/XX/XXXX I was suddenly diagnosed with XXXX XXXX XXXX XXXX I immediately contacted them to see how to defer my loans. I was told I couldn't but could request a medical forbearance. I sent them the XXXX XXXX XXXX form. They refused it, saying I needed to use their form. This would require me to download, print, go back to the doctor to complete then upload. The site was not user friendly, and I was in the hospital. I emailed them to ask that they accept the Federal form and they refused. Basically said too bad. I kept in touch and let them know I was being considered for SSID and once that went through ( it was being expedited ) I would pay my bill. They started threatening calls, emails. They even called family members, and my aunts ex husband whom hasn't been in our family for 30 years! Now they are threatening credit reporting- all while I am in treatment fighting for my life. AND my arrears are only {$300.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: NJ

Complaint narrative:
Couple months ago I checked my credit report I saw a lot of hard inquiries that Im not authorized I sent over my dispute letter to all the 3 credit bureau after couple weeks they sent me letter letting me know that they wont be able to remove them in my credit and I called all of them to asked why also I asked them to gave me prove with my original signature when I did that they dont have any prove, now Im hiring a lawyer for them to handle my situation. Also I see this information online that I can make a complaint for that. I saw all these inquiries I dont even know the company that did that in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Couple months ago I checked my credit report I saw a lot of hard inquiries that Im not authorized I sent over my dispute letter to all the 3 credit bureau after couple weeks they sent me letter letting me know that they wont be able to remove them in my credit and I called all of them to asked why also I asked them to gave me prove with my original signature when I did that they dont have any prove, now Im hiring a lawyer for them to handle my situation. Also I see this information online that I can make a complaint for that. I saw all these inquiries I dont even know the company that did that in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: CA

Complaint narrative:
i have been a victim of identity theft in the past. My information has been involved in a recent data Breach. These new inquiries were not authorized by me and i demand the removal of these accounts. I am alleging that a person or company without authorization from unauthorized use of my social security number and card used my personal info to apply for goods, services or money. I Have no knowledge of these inquires and need them removed from my account immediately because it is hurting my chances of receiving a mortgage.. Inquires that were not authorized are -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07 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: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts, dates, and amounts that I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. I AM A VICTIM OF IDENTITY THEFT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts, dates, and amounts that I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. I AM A VICTIM OF IDENTITY THEFT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: CA

Complaint narrative:
I've sent multiple dispute to fix errors on my report and was told it was accurate. Then I notified the credit bureau to provide me with their investigation reports on the finding and I was not given that. They only sent my credit report when i as for an investigation. XX/XX/2023, XX/XX/2023, XX/XX/2023, On XX/XX/2023 ( i asked for proof of the documents ) XX/XX/2023 XX/XX/2023 My Legal Name does not match also!!

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 2023-07-08 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: CA

Complaint narrative:
I have attempted multiple times to get accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX off of my credit report due to no physical proof of me signing any legal contracts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: CA

Complaint narrative:
I have attempted multiple times to get accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX off of my credit report due to no physical proof of me signing any legal contracts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This company gave me false information about this account. It is also also a HIPPA violation for anyone to have your medical information without your permission

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 2023-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ADP Inc.
State: NJ

Complaint narrative:
I have had a bank account with Wisely for over 3 years before this. I had lost my card and have locked the account but had to unlock for a certain time because I had to make a transaction. While it was unlocked, I saw XXXX unauthorized DDS transactions made by XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/29 for an amount of {$1300.00} and {$1300.00}. I called Wisely phone number and filed a dispute against this charge and they blocked my banking and online account hoping that this would stop them from taking more money from the account. 
However, days later on XXXX the XXXX companies were able to make the same transactions again but a higher amount. I called and asked why they were able to take this money and they said that they can not do anything about this even though the account was locked and I flagged these XXXX vendors earlier. I usually get notifications too on transactions over {$200.00} and I never got a notification on this. So I proceeded to dispute this again and asked them to overnight XXXX my new replacement card. 
On XXXX, XXXX XXXX was able to take out money again and I was getting XXXX because there was nothing that Wisely was doing to stop these transaction from going through. I called and asked them to send my money to a different bank account but they said that they can not even do it and that I would have to go to a bank to transfer that money. I filed a 3rd claim and then later on got a new card and unlocked that card. 
I thought that since I got a new card and, in turn, a new account, that they would not be able to transact more money but XXXX XXXXXXXX XXXX took out {$1500.00} on XXXX. At that point, I had emptied by bank account and transferred all money to my parents. But in total, I lost more than {$8000.00} and have disputed all these transaction and Wisely has done nothing about it. I don't know this exact number because Wisely has blocked my online account again and I can see the transaction made. They said that these disputes take up to 90 days so I am not sure what I can do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-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 non-monetary relief
Consumer complaint received 2023-07-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-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 2023-07-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
My former employer offered an Optum Bank Mastercard for health flexible spending AND transportation ( parking, bus, light rail ). The funds loaded to the Mastercard were deducted from my paycheck. My employment was terminated XX/XX/XXXX. At the time of my termination there was approximately {$1600.00} available for transportation expenses. 

Sometime around XX/XX/XXXX I called Optum Bank to find out if the funds could be sent to me via check, minus taxes since it would have been income. I was told it was not possible BUT the funds would remain available for use indefinitely ( until depleted ). I did not have an opportunity to use the Mastercard for parking until XX/XX/XXXX. The card was declined presumably because it was expired. 

On XX/XX/XXXX, I called Optum Bank to ask for a new card. I was told the account was closed upon my termination and the funds were returned to my former employer. I asked for proof that the funds were returned to my former employer and was told by a supervisor XXXX XXXX XXXX " we don't have records going back that far ''. He said I needed to contact my former employer. Contacting my former employer is not an option.

Company response to consumer: Closed with explanation