vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Accurate Background
State: PA

Complaint narrative:
On XX/XX/2023, Victim of Identity Theft attempted a Private Right of Action with Respondent via Online Dispute Process. 
Perversely, Victim was not availed of any resources that would facilitate the relinquishment of the requested report. 
Respondent, via an XXXX XXXX XXXX, did receive Victims request for Documents and Opportunity to cure and refused to comply with the victims request. 
Victim contends that this action is violative of Victims Rights to The Prohibition on the Inclusion of Adverse Information Rule V. Victim states that respondents are causing irreparable harm to victim including, but limited to ; economic distress, loss of community status, emotional distress, mental anguish, loss of life, liberty, and the pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please Delete hard Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please Delete hard Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2023-04-19 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 explanation
Consumer complaint received 2023-04-19 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Dear CFPB, I am writing to submit a complaint regarding the Savings Account provided by Apple and Goldman Sachs, which offers a 4 % + return rate but requires applicants to have an Apple Card credit card as a prerequisite for applying. 

Upon applying for the Savings Account 's prerequisite Apple Card on XX/XX/2023, I was denied due to " insufficient credit history '' after Goldman Sachs only checked my XXXX credit history, which had a thin file on me. If they had checked my credit history with XXXX or XXXX, they would have approved me immediately. This situation exposes consumers to Goldman Sachs ' bias towards a credit rating company that does not take all possible measures to mitigate a thin file on an individual with a proven high credit score with other rating companies -- especially when the consumer 's ultimate goal is a Savings Account. 

I contacted XXXX regarding this issue and they advised me to plead with transaction parties sending data to other rating providers to also send data to XXXX, which is completely unscalable. 

I suggest the following action items be taken : 1. Apple should fix its Card application flow to have an appeal process with manual triage to review and mitigate obvious case errors. Their robotic denial process currently refers the consumer to XXXX to resolve issues. 

2. Goldman Sachs should reduce sampling bias by asking for credit rating from more than a single provider, namely XXXX, XXXX and XXXX. 

XXXX. XXXX should be held accountable for the consumer experience from a thin file and should be responsible for backfilling data available at other rating providers when a consumer can objectively prove the disparity. 

I request that CFPB investigate this issue and take appropriate action to ensure that consumers are treated fairly by financial companies. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Radius Global Solutions LLC
State: OR

Complaint narrative:
I switched to XXXX bundled services on XX/XX/XXXX. I began using all of XXXX services ( phone, TV, internet ) that day. 
On XX/XX/XXXX I called & cancelled XXXX ( XXXX ) since I had switched to XXXX. I had recently received a statement ( attached ) for services XXXX. I paid this invoice in full, it was {$260.00}. I informed the representative to cancel my account, effective immediately. I also double checked about returning any equipment-which was not necessary. I received a few emails from XXXX but I disregarded them since I didnt receive any paper invoices in the mail. For the entire duration of my service this is how I received my statements. I was not informed that my account was being sent to collections. I recently received an email from XXXX XXXX, which is how I found out that Radius Global was a collections company and was trying to collect {$230.00} from me. I have never received anything in the mail. Looking back in my emails, I saw that I had received three emails from Radius on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I had completely disregarded these emails previously as I thought they were spam. 
Today I disputed the negative report from Radius on my XXXX and XXXX reports.

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 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reported to XXXX that they were reporting fraudulent accounts on my credit file, and they refused to reinvestigate. Ive sent multiple requests with updated information and copies of my address, id, and social security and they still refuse to re-investigate and help me clear up fraud on my credit file.

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 2023-04-19 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I reported to XXXX that they were reporting fraudulent accounts on my credit file, and they refused to reinvestigate. Ive sent multiple requests with updated information and copies of my address, id, and social security and they still refuse to re-investigate and help me clear up fraud on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
I had bill pay set up through my optum HSA account. I set up the payments to auto pay XXXX XXXX Bank, as it is a credit card I opened for a medical XXXX. XXXX XXXX payments of {$30.00} on XX/XX/XXXX, and XX/XX/XXXX, were never credited to my XXXX account but have still been debited from my Optum HSA Account. I called Optum to do XXXX stop payments and was told they just changed their bill pay recently to send over electronic card numbers instead, and that XXXX did in fact receive said payment. I have called back and forth and no one will Help me. I need a XXXX statement from Optum bank but it is mid XXXX and still nothing. I have to prove to XXXX bank that the payments were debited from my account, paid to XXXX  and I can't as I can not get a statement from Optum. I attached a transaction snapshot from XXXX  bank as I receive paper statements and don't have a scanner. I disputed missing payments on their end and they closed the dispute as it's been 30 days, and I have NO statement to show them proof from my Optum account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested my credit report and have found some improper information on my credit report. There have been multiple accounts that have been opened without my consent and knowledge. Unfortunately I am a victim of identity theft and my information have been exposed on a data breach and I am in the process of repairing my profile and getting back on tract financially. This was discovered XX/XX/2023

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 2023-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested my credit report and have found some improper information on my credit report. There have been multiple accounts that have been opened without my consent and knowledge. Unfortunately I am a victim of identity theft and my information have been exposed on a data breach and I am in the process of repairing my profile and getting back on tract financially. This was discovered XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Thank you for your help I Disputed this account and this is what they sent back. 
This Creditor did not Respond with the Information I Request in my letter.

I asked for Debt VALIDATION with my name their name and my signature to the debt with them Professional debt meditation, inc. not a Request For Verification or proof of mailing address. 
I need a document with their name, my name and my Signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: MI

Complaint narrative:
From XX/XX/2023 to present Representatives from Nelnet , Inc. keep calling me XXXX to XXXX  times a day harassing me. I told them that I wanted them to cease and desist from calling me and to send all correspondence via email or mail. They disregarded my rights and continue to call. On XX/XX/2023 I sent a negoitable instrument to Nelnet Inc. to settle the student loan debt that claimed I owed them. Then on XX/XX/2023 I receive a letter in the mail from XXXX XXXX XXXX XXXX XXXX stating that Nelent , Inc. informed them that I was seriously delinquent on my student loans and I will be in default. The letter stated that my account will be turned over to the federal government for collection which could result in : XXXX of tax refund, wage garnishment, loss of federal student loan benefits and my account is being reported to the national credit bureaus which is damaging my credit score and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received notification from XXXX of my credit score decreasing by XXXX points due to a debt collection of {$100.00} for XXXX by debt collector, Penn Credit Corporation XXXX An attempt to collect a debt I had no knowledge about. 

On XX/XX/XXXX, I received correspondence from Penn Credit stating an amount was owed to XXXX & XXXX in the amount of {$100.00}. In their letter, it stated to respond via email or mail. I immediately responded on XX/XX/XXXX and sent an email ( copy attached ) to Penn Credit requesting copies of utility statements from XXXX & XXXX for my review. To my knowledge, the account was paid in full upon closing the account with XXXX & XXXX back in XX/XX/XXXX. XXXX & XXXX is not my utility company, but it was back in XX/XX/XXXX for XXXX only while renting a townhome and waiting for my new home to be built. All my correspondence was sent to a XXXX XXXX while my home was being built which I kept until XX/XX/XXXX and do not understand why XXXX & XXXX waited until now to speak up of an amount owed. 

On XX/XX/XXXX, I received acknowledgement from Penn Credit with copies of XXXX XXXX XXXX 's XX/XX/XXXX final bill. Two days later, on XX/XX/XXXX, I received a notification from my XXXX that derogatory information was reported. 

Penn Credit Corporation did not provide me with necessary documents when first contacting via correspondence on XX/XX/XXXX. 

Penn Credit Corporation did not allow me enough time to review and respond prior to reporting negative/ derogatory information to the credit reporting bureaus. 

I have incredible credit status with no negative information reported, and now due to Penn Credit Corporation, there is a negative scar on my report. I would not foolishly jeopardize my credit rating for {$100.00}. 

I hope we can clear this matter up as soon as possible and Penn Credit Corporation is held accountable for false accusations against myself and my credit reporting status and not allowing me ample time to resolve this matter as under the CFPB laws for credit reporting, etc. 

Penn Credit Corporation is located at XXXX XXXX XXXX, XXXX, PA XXXX with phone number of ( XXXX ) XXXX and email address of : XXXX Thank you in advance for your time. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. 


Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 



I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. 
Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act

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 2023-04-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
remove this account # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Some companies are reporting me as late even when I am not so please look at the attached documents carefully to understand what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i recently had someone assist me on viewing my credit report upon doing so i realized that there were numerous accounts that do not belong to me and it has made my day to day living almost impossible and making it hard to move forward with my life i believe that i might be a victim of identity theft and because of so i have attached a copy of the identity theft report i filed

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