vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 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: CA

Complaint narrative:
n 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 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 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 2022-10-22 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: IL

Complaint narrative:
I have twice tried to dispute a negative collection from a XXXX XXXX  on my accounts that is dated XX/XX/XXXX in the amount of {$870.00}. It is impossible for me to have taken this loan in XXXX or XXXX ( the one and only loan like this I took out was in XXXX ) and they have only updated it but will not remove it from my report or give any proof that this loan was indeed mine and taken out in XX/XX/XXXX. Since it is impossible for me to have taken that loan out at that time it would be identity theft but Ive never received any proof that was provided to Experian by 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 2022-10-22 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: Professional Finance Company, Inc.
State: FL

Complaint narrative:
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( Professional Finance Co ) for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail, Best Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: GA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-22 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: GA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
An ExxonMobil Credit Card through XXXX was opened using my identity. In XX/XX/2022, There was a charge of {$56.00} to this credit card which I believe was used for gas. I contacted ExxonMobil and they immediately began an investigation. What I wasn't told, was that during the investigation, they would be racking up {$30.00} late fees which is now at {$370.00}. I gave ExxonMobil all the information needed as to who opened the account, but still left me responsible and ruined my credit score from XXXX to XXXX. Had I known all this would happen, I would have just paid the {$56.00}. Exxon just cleaned their hands of {$56.00} & sent me over to collections. The other gas cards that were opened fraudulently using my identity were resolved immediately.

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 monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My credit card usage is incorrect and has been for months. Its showing I have {$130.00} balance which I do not. The balance has been XXXX since XXXX XXXX  if I were to miss a payment it would be immediately reported. So my payments made on time should be as well. It looks like Im using much more of my credit limit than I actually am. Its negatively affecting my credit score. It has not been reported since XX/XX/2022. Ive been afraid to use the card again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 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: CA

Complaint narrative:
n 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 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 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 2022-10-22 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: CA

Complaint narrative:
n 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 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 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 explanation
Consumer complaint received 2022-10-22 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: FL

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Experian havent respond to my request as they are required to by the Federal 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 explanation
Consumer complaint received 2022-10-22 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:
To whom this may concern, I XXXX XXXX have reached out to this company regarding a debt on my credit reports from XXXX XXXX XXXX it is reporting open it and is also reporting I have late payments. This account is not my account I do not have an open account with this company and the balance is incorrect as well as the payment history reporting on my transunion report. This company agreed to getting this corrected back in XX/XX/2022. This length of time is unacceptable and I would like this resolved immediately please.

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 2022-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I've had account with Navient from XXXX XXXX since XXXX. I made payment agreement with them XX/XX/XXXX to pay XXXX XXXX XXXX XXXX XXXX. They require {$50.00} to do the agreement with them. XXXX and XXXX of this year they charged me {$8.00}, {$28.00} and {$110.00} for XXXX and {$110.00} so far for XXXX and this breaks the agreement. I never authorized the extra funds to be withdrawn from my bank account. I tried to reach out to Navient and they just give automated reply saying they have higher than normal requests to deal with and I can't get anybody. I got on the agreement plan because of my income and I can not afford to be getting over {$100.00} in fees from Navient especially when it is not authorized. I don't know what to do and I don't know if they will refuse to refund the money they illegally took from my bank account. I need my money back ASAP. 

The agreement with Navient is set up as auto payments for XXXX XXXXXXXX so they have my bank information and they just decided to withdraw more money without my consent. 

I am really scared that because Navient has my bank information they will withdraw funds that I can not afford and are unauthorized which is what they are doing. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I recently opened a new checking account ( XXXX ) because I was having issues with unauthorized transactions ( funds ) going from my citizens bank account to a company named XXXX XXXX. I filed a complaint concerning this matter cs # XXXX. 
The case was resolved and closed. Now I'm having the exact same issues with my newly opened account. Fund going to XXXX XXXX again. The amount of the transaction is {$150.00}. on XX/XX/2022 I didn't authorize this transaction and am concerned and curious as to how someone is getting the banking information from my new checking account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To whom it may concern. 

On XX/XX/XXXX I filed a dispute due to an unexpected decrease in my credit report. 
After investigation, I found 3 fraudulent accounts opened under my name XXXX XXXX XXXX opened on XX/XX/2022 ; XXXX  XXXX on XX/XX/2022 and XXXX XXXX on XX/XX/2022 ). All of them in utilities companies. 

I own a property with my wife from XX/XX/2022, where the utilities are covered by the condominium company, so there is no reason to open accounts in any other spot. 

I try to have an exemplary control of my finances and in the last 6 years I havent had any late payment. I created an account in identity theft trying to support the evidences. 
This is the second time in one year that I have to place a dispute for utilities and there is not reason for credit bureaus to avoid my dispute since is a clear fraud under my name. 

Please help me out in this process as this situation is frustrating my time and patience. 

Im open to demonstrate this fraud and support to solve it. 

Thank you in advance.

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 2022-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: MA

Complaint narrative:
Hello, I am a XXXX  employee and I have been in the XXXX  on and off since XXXX. I have two issues : -Missing XXXX  count information -Outdate loan balance and lower credit score as my payments have not been applied to my account. 

The parties that are causing the issue : XXXXFEDLOAN -XXXX  -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) Actions I have taken since XXXX : -Contact both XXXX and XXXX XXXX via XXXX, in person, and email to fill out the XXXX  form to get the months from XXXX XXXX XXXX added to my count for XXXX  employment. Both parties have failed to respond XXXXWork with Fedloan and now XXXX to resolve the issue. 

I have submitted the following to FEDLOAN : -PSLF forms indicating that the Agencies failed to fill out the forms -Emails -My XXXX  of XXXX XXXX XXXX XXXX employment record -XXXX XXXX Waiver Fedloan has giving me multiple excuses and now says XXXX is responsible. XXXX says they are still processing but the they do not have any records of forms or information for those months. 

On top of that my employer XXXX XXXX XXXX for XXXX XXXX ( XXXX ) has been making payments on my behalf. And since XX/XX/XXXX, those payments have not been added to my account and the old balance is still on my credit report, impacting me from shopping for a mortgage. The however, has been taken out of the account and I am paying taxes on these payments. XXXX has confirmed with my employer of receiving a payment in XXXX but the payment has not been added to my account. 

This is emotional draining because I always wanted to be a XXXX  XXXX  and went to XXXX  school because I kept being rejected. Now I am trying to use the resources recruiters told me about and it is hindering me from moving on with my life. 

I can't provide the emails as they went sent via my work email and the Fedloan XXXX is missing my documents. 

Please advise and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a report with CFPB on XX/XX/22 regarding XXXX XXXX XXXX XXXX XXXX XXXX. Asking for them to correct the errors on my account. 

XXXX and then XXXX XXXX both posted new information and removed negative information. I paid the new amount that XXXX XXXX requested. 

I have learned from XXXX today that now all three credit bureaus have had the matter addressed. It still shows negative credit on my TransUnion account. from XX/XX/22. Part of what I requested from XXXX XXXX XXXX is that remove all negative credit from all three credit bureaus. Listing never late, on time, exceptional payment. 

Negative credit is still showing on TransUnion as of XX/XX/22. Balance was paid in full on XX/XX/22. I have not had any reports about my XXXX credit as of yet.

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 2022-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My name is XXXX XXXX and i am the only first-hand competent witness to these events that have taken place. see attachment below

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 2022-10-22 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: FL

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative 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 XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In connection with the retaliation, XXXX discrimination ( 15 U.S. Code 1691 ), fraud & other abuses my company and myself have personally been subjected to by Wells Fargo I am formally requesting an outside investigation & mediation seeking damages. 

I have been the victim of Wells Fargo opening up a savings account without my consent or any disclosures. I've also suffered retaliation and XXXX discrimination after bringing it to Wells Fargos about the fraudulent activity by wrongfully & unlawfully denying me credit ( 15 U.S. Code 1691 ), unlawfully denying mortgage refinance opportunities ( based on race ), denying business credit line increases ( based on race ), & blocking secured business credit line graduations ( based on race - 15 U.S. Code 1691 ). All this compounded by the retaliatory nature by which these offenses took place they also closed my secured business credit cards unjustly even though the card is in good standing and with a low balance and did not return the original deposit for the card. 

They also failed to disclose/discuss with me about the 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