vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account GULF CST COL XXXX balance {$150.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. 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 explanation
Consumer complaint received 2022-05-18 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: AES/PHEAA
State: FL

Complaint narrative:
In XX/XX/2022, my student loans with FedLoan Servicing were transferred to XXXX pursuant FedLoans contract termination with the federal government for student loans. When FedLoan transferred my loans, rather than adhering to the Department of Educations guidance that student loan accounts should be designated as transferred rather than closed, FedLoan reported my account as closed, resulting in a 73+ point drop to my credit score. This significant drop caused exclusively by the way FedLoan reported the transfer has serious ramifications on my ability to make purchases requiring the use of credit. Because FedLoan is no longer operating as a student loan servicer and no longer has access to any of my accounts, I can not raise the problem with them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: AL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX  account # 's XXXX, account number XXXX, account # XXXX, account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

XXXX accordance with Fair Credit Reporting Act, XXXX XXXX account # 's XXXX, XXXX, XXXX, XXXX XXXX account # 's XXXX, XXXX XXXX account XXXX XXXX, XXXX. 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

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 2022-05-18 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: I.C. System, Inc.
State: OH

Complaint narrative:
On XXXX XXXX the collection agency I.C. System Inc. add a derogatory mark on my credit report per XXXX. Upon, Further research, this account was transferred/sold and i am no longer responsible for the account. This creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( I.C. System Inc ) has violated my rights as a consumer and i am requestion legal actions to remove this account 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 explanation
Consumer complaint received 2022-05-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Went to Macy 's and employee offered me an opportunity to apply for credit - I advised the employee that I had a freeze on my credit report and that I would have to remove it in order to apply for credit. She concurred and I removed my freeze for 2 days. ( XX/XX/XXXX - XX/XX/XXXX ) It was made clear by the employee, and I know this too, that when I UNfroze my report, I would have to show my ID and they would have to verify me, in order to obtain credit. 

I proceeded to have the Macy 's employee run my credit. Upon running it, she advised me that I need to call credit services as I was denied. I was disappointed and insisted that she please call Macy 's to speak to someone and verify me to approve me. My credit score is excellent, in the XXXX 's and I knew that wasn't the issue. 

The laziness of the employee and her not performing her job/due diligence, is what I have an issue with. Would she have done her job, made the phone call and verified me, I wouldn't be in this predicament and the inquiry would be valid ; that never happened. 

The inquiry is unjustified, due to the above unraveling of events. If this is not removed, as, I have already requested from Macy 's ( ATTACHED DOC ), I will pursue legal action and monetary penalties as this is unjust and unlawful.

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 2022-05-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted EXPERIAN and disputed account name : XXXX XXXX XXXX account # XXXX for reporting obvious inaccurate 2x 120 days late for XX/XX/XXXX and XX/XX/XXXX on my credit report which is in clear violation of the FCRA LAW and my RIGHTS I disputed the above account on my credit report with EXPERIAN on XX/XX/XXXX on XX/XX/XXXX I pulled my credit report and the inaccurate late payments were removed from my credit report which I have highlighted and attached to this dispute I pulled my credit report today XXXX XXXX with EXPERIAN and noticed the inaccurate information of 2x 120 days late was placed back on my credit report on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX which I have attached to this dispute as well I have been in contact with the creditor of this account which is XXXX XXXX every rep and supervisor i spoke to said this is incorrect and they never reported any late payments for this account they also sent me my payment history for this account that clearly shows all payments are on time which I have attached the documentation proof also to this dispute. Based on the following listed Laws please have this incorrect information removed and deleted from my credit report immediately : 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information

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 2022-05-18 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 lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 602A. States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also state
s 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 then seven years. 

US Department of Education : 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 2022-05-18 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: IL

Complaint narrative:
I sent a letter of on XXXX XXXX to remove personal information/incorrect spelled names,0ld address that i did not want on my consumer report according the fair credit reporting act 15 U.S.C.1681 I have the right to privacy, 15 U.S.C 1681b ( a ) ( 2 ) also it states a consumer reporting agency can not furnish a account without my written instructions. Also according to 15 U.S.C.6802 no financial institutions are not suppose to share my information to third party people. There is a clear violation of my federally protected consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
A check was sent to XXXX  XXXX XXXX. when the check was deposited at Huntington Bank, my account number was entered wrong and my bank XXXX XXXX rejected the check back to Huntington Bank as NSF. Had my proper account number been entered the check would have been cashed. There was more than enough funds to cover the debt. I am being charged for a NSF fee that wasn't my fault. XXXX  XXXX XXXX  insists that they provided the correct account number but proof shows that the account number provided to Huntington was incorrect. It does not match the account number preprinted on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, a federally protected consumer and I am submitting this complaint against Caine & Weiner Company regarding an account that they purchased from XXXX. I am writing this complaint before this alleged debt finds itself illegally being placed on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Caine & Weiner Company any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. I can admit that I have never validated this alleged debt with XXXX XXXX and while I have not validated such a claim of debt this in turn can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a trilateral contract between, XXXX, CAINE & WEINER COMPANY, and myself, giving Caine and Weiner Company any right to collect on this alleged debt. It is my belief that Caine & Weiner Company is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: MS

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-05-18 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: FL

Complaint narrative:
In XX/XX/2022, my student loans with XXXX XXXX were transferred to XXXX pursuant XXXX contract termination with the federal government for student loans. When XXXX transferred my loans, rather than adhering to the Department of Educations guidance that student loan accounts should be designated as transferred rather than closed, XXXX reported my account as closed, resulting in a 73+ point drop to my credit score. This significant drop caused exclusively by the way XXXX reported the transfer has serious ramifications on my ability to make purchases requiring the use of credit. Because XXXX is no longer operating as a student loan servicer and no longer has access to any of my accounts, I can not raise the problem with them directly.

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 2022-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My name is XXXX XXXX ( formerly XXXX XXXX ) and I attended the University XXXX XXXX during which time I took out loans. I applied for teacher loan forgiveness in XXXX  and was denied by XXXX XXXX XXXX XXXX XXXX ( XXXX ) and wasnt given a reason why. My loans later got transferred to Navient. 
I also have read that Navient reached a {$1.00} XXXX settlement deal over allegations that the company engaged in unfair and deceptive loan practices. I have read the many reports that ACS also closed down to faulty practices.

I paid off all my loans totaling {$23000.00} but I should have had those loans forgiven because I have been a special education teacher in a low income school for the past 15+ years and I made at least 120 qualifying payments. I have read up on the various lawsuits and see that customers are entitled to restitution for that money that I paid that I shouldve had forgiven. 
Can you tell me next steps to insure I get full restitution ( I believe it is {$17000.00} ) for my service as a special education teacher in a low income school? 
Thanks, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as Iate for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$4700.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off. {$3500.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4400.00} Status Account charged off. {$4400.00} written off. {$4400.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$14000.00} XXXX Account charged off. {$14000.00} written off. {$14000.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$6600.00} XXXX Account charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Collection account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Collection account. {$4900.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4300.00} XXXX XXXX account. {$43.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$4700.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off. {$3500.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$4400.00} XXXX Account charged off. {$4400.00} written off. {$4400.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$14000.00} XXXX Account charged off. {$14000.00} written off. {$14000.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6600.00} XXXX Account charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Collection account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Collection account. {$4900.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4300.00} XXXX XXXX account. {$43.00}

Company response to consumer: Closed with explanation