vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
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 ( XXXX XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-11-05 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
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 ( XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-11-05 00:00:00
Product: Credit reporting 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 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting 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 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 ( XXXX XXXX XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list of accounts above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a purse share, not furnish any information related to a customer to any custom report 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 2023-11-05 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The list of accounts above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a purse share, not furnish any information related to a customer to any custom report 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 2023-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report under Report # XXXX, which has been reported by Professional Finance Company ( PFC USA ). The original creditor for this account is a medical provider, XXXX XXXX XXXX ( XXXX ), and the account is related to medical services rendered.

I am disputing this debt for the multiple reasons Lack of Communication : I havent received any written communication either from Original creditor XXXX and collection company Professional Finance Company ( PFC ) regarding accounts being transferred or sent for collection. 

Lack of Validation : I have not received adequate validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am formally requesting the validation of this debt, including detailed information about the nature and origin of the debt, proof of any signed agreement, quality of services commencement as authorized by the doctor, and completion of individual services duly signed by me or my spouse. 

Billing and Services Error : There were multiple quality issues with the services provided by XXXX, specially for years XXXX and XXXX and for the same we have communicated multiple times to XXXX regarding completion and quality of services. 
During most of the weeks not full 10 hrs of approved services were provided. 
There were many sessions which did not commence as per prescribed weekly approved services. 
Last minute service cancellation without any backups. 
No signature post individual service commencement from parents to confirm and validation. 
Due to lack of quality services my son has faced immense challenges with frequent schedule changes, XXXX XXXX, elevation in behavior and retrogression. After no action taken for many months we had finally cancelled XXXX services in XX/XX/XXXX. 

I requested PFC-USA and XXXX to investigate this matter promptly and provide with a written response within 30 days of receiving this letter. I would like to request confirmation of individual services that include my ( or my spouse ) signature. If you are unable to validate service, this debt or if you find any errors, I request that you cease reporting this account to the credit reporting agencies and remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus has not deleted the fraud off my credit report Ive sent them. I need help with resolving this fraud with XXXX, XXXX and Trans Union.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus has not deleted the fraud off my credit report Ive sent them. I need help with resolving this fraud with XXXX, Equifax and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-11-05 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-11-05 00:00:00
Product: Credit reporting 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 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 ( XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent my FTC report and License to report identical theft. Experian, XXXX and XXXX still reporting fraudulent aCcounts on my consumer 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 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is in regards to a high dollar fraud at Wells Fargo Bank. On XXXX XXXX, XXXX, my son XXXX received a notification regarding a negative balance of our joint checking account. ( real account ). XXXX XXXX, XXXX, there was an unauthorized creation of a fake account under my name. Same day, an amount of {$2400.00} was cash advanced by the hacker from Wells Fargo Visa Credit card and transferred online to the fake account created. Since then {$1000.00} cash were withdrawn everyday from the Fake account. Also there was unauthorized deposit of {$5000.00} twice to the real checking account from unknow person. The $ XXXX was transferred online to the Fake account. From there the hacker tried to withdraw again the funds. Hacker tried to transfer the remaining {$5000.00} to the fake account but was returned due to insufficient funds ( negative balance ) .The real account was submitted to my son 's payroll for his direct deposit from work, autopay for his voluntary contributions to agencies and to the US Dept . of Education student loan for his automatic withdrawal payment beginning soon. 

We submitted a Police report on XX/XX/XXXX and created this Complaint as well at CFPB. 
Contacted Wells Fargo and gave us an executive case number. We were told that it could take a little longer to find resolution on this case.

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 2023-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems
State: NC

Complaint narrative:
I did not recognize Financial Data Systems ( FDS ), XXXX XXXX, NC, a company whose emailed message XX/XX/2023 indicated their intention and purpose as a debt collector, and the email an attempt to collect a debt : A representative informed me the debt had been referred to them from XXXX XXXX XXXX XXXX ( XXXX  ), from whom I had not previously received direct services nor a bill. I had received emergent care services through XXXX XXXX XXXX in XXXX ; however the date of service indicated electronically by FDS on their website ( in their solicitation for payment of a debt linked via the email ) did not correspond with the date on which I received services. Not being certain what the debt was, but wishing to avoid being penalized for non-payment, I submitted an agreed-upon, one-time VISA payment of {$25.00} to XXXX, despite having made payment arrangements with XXXX XXXX ( the only provider from whom I've received emergent healthcare services ) via XXXX XXXX XXXX to address an outstanding debt by making {$25.00} monthly payments. Additionally, I contacted XXXX XXXX XXXX XXXX at ( XXXX ) XXXX and verified there is no current debt linked to my identification : I double-checked this record for full accuracy at XXXX & XXXX ( reference # XXXX ) and found no associated debt to XXXX in my name, XXXX XXXX XXXX collection unsupported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I noticed on my credit report that I have a credit card that was issued bt Credit Karma. I called to inform them that I did not apply for a credit card through them. I had to close out my spend account and savings account because Credit Karma allowed someone else to withdraw my money. I filed a dispute but they cancelled it because they said I called them back and said that the transactions were authorized. I did not authorize anything. I believe that I am a victim of identity theft. I would like the credit card removed unless they can send the card to my physical address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
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 ( XXXX XXXX XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent my FTC report and Sate identification to Experian, XXXX and XXXX. They are reporting fraudulent accounts on my consumer 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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently noticed fraudulent activities on my credit report. What I have found has lead me to believe I maybe a victim of identity theft, as I did not approve any information to be used in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief