vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Fraud inquire XXXX credit report. I have a security freeze never applied for capital one credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
XXXX. XXXX. XXXX XXXX. XXXX XXXX. 
XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX. 
XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX These accounts need to be deleted from the credit profile.

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 2022-06-20 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Fraudulent credit cards opened, various credit cardss opened, Fraudulent address. Incorrect information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
XXXX. XXXX. XXXX XXXX. XXXX XXXX. 
XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX. 
XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX These accounts need to be deleted from the credit profile.

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 2022-06-20 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: GA

Complaint narrative:
XXXX. XXXX. XXXX XXXX. XXXX XXXX. 
XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX. 
XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. These accounts need to be deleted from the credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Fraudulent credit cards opened, various credit cardss opened, Fraudulent address. Incorrect information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc
State: CA

Complaint narrative:
Back in XX/XX/2020 I submitted a XXXX XXXX XXXX and other documentations about this account was created without me knowing. The person that has created the accounts was charged and in process of being on trial. I have all the documents required. The debt was placed into collections without me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: WA

Complaint narrative:
In XX/XX/XXXX, I left XXXX so my XXXX provider Optum Financial started to charge me Connect Your Care ( CYC ) Stand Alone Fee, which I was notified about. Starting XX/XX/XXXX, because something happened between CYC and Optum Financial, Optum stopped charging me CYC Stand Alone Fees, XXXX dollars per month. But this XXXX Optum Financial started charging me CYC Stand Alone Fee again without notifying me or updating the agreement. Starting XX/XX/XXXX I was also charged XXXX management fees XXXX dollars per month without being notified. I called them on XX/XX/XXXX, they just told me to refer to the FAQ rather than showing me supporting documents that state the charges are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NY

Complaint narrative:
n 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 -Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX -Account Number XXXX XXXX XXXX - Account NumberXXXX XXXX -Account Number 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 2022-06-20 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: NY

Complaint narrative:
n 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 -Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX -Account Number XXXX XXXX XXXX - Account NumberXXXX XXXXXXXX -Account Number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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

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 2022-06-20 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXr # XXXX, XXXX XXXX # XXXX, XXXX XXXXt # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Someone stole my identity, but instead of committing actual fraud they just reported me dead. I can't do anything. My car got repossessed and my landlord kicked me out over this, because the system thinks I'm DEAD or trying to steal someone's identity. I've sent in copies of my birth certificate, license, and SSC. Sent in a letter from my local social security office to all 3 bureaus. it's been months. nothing is working. I've spent thousands on hotel rooms and ubers to have somewhere to live and a way to get to work. this is insane. I've been told there's an official death certificate but they refuse to tell me anything about it. as far as I know I have a pulse and pay taxes so I'd like to have a place to live. PLEASE help me.

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 2022-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Physicians & Dentists Credit Bureau
State: WA

Complaint narrative:
On XX/XX/20 Received a quote to fix my tooth after thr insurance my balance was {$650.00} Which I was agre to pay in three payments. After I paid everything I was told that there estimate was off and I still need to pay another {$740.00} which I didn't pay because it wasn't my responsibility to pay I paid what I was told to pay, If I was told that my tooth was going to be {$1400.00} I would never agree to fix it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act 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.

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 2022-06-20 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: ND

Complaint narrative:
in accordance with the fair credit reporting act my rights have violated. 

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 united accounts- {$4100.00} XXXX XXXXXXXX XXXX {$2000.00} XXXXXXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX capital 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 2022-06-20 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: ND

Complaint narrative:
in accordance with the fair credit reporting act my rights have violated. 

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 united accounts- {$4100.00} XXXXXXXX XXXXXXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX capital XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX auto finance 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 2022-06-20 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: ND

Complaint narrative:
in accordance with the fair credit reporting act my rights have violated. 

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 united accounts- {$4100.00} XXXX XXXXXXXX XXXX {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX 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 2022-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: MN

Complaint narrative:
recently was unaware of a debt that i do not owe. was sold to collections. this was a joint lease agreement with ex-spouse. ex -spouse closed the lease with out my knowledge and informed me no money was owed. i klater find out years later by checking my credit report. that the apartment XXXX XXXX XXXX XXXX XXXXXXXX XXXX. sent to collections under my name. with out any written notice email or phone calls to me stating that a debt was owed. 



15 U.S.C 1681 section 604 A section 2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act 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.

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 2022-06-20 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX I received a letter from portfolio recovery associates whom is a debt collection company that purchased my debt from a previous company in XX/XX/XXXX. The letter stated that I were to select a payment plan and to begin making payments by XXXX XXXX XXXX or my account will be referred to and flagged as a collection. 

On XX/XX/XXXX XXXX I received a notification from the credit reporting bureaus stating that my account was flagged for collections by portfolio recovery associates on XX/XX/XXXX. Almost a week prior to the date stated in the letter that I must have selected a plan and paid by. This company denied me the full opportunity to select a plan and make payments by the deadline that they themselves informed me of before I referred to collections. 

This is egregious buy and violates my protective rights, I respectfully ask that this account is removed from my credit report immediately as I will continue to make payments to said company via the plan that I did select by the deadline that they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
- I am writing regarding FedLoan Servicing 's ( FedLoan ) and the U.S. Department of Educations office of Federal Student Aid 's unacceptable delay in processing my Public Service Loan Forgiveness ( PSLF ) application. Based on the limited waiver criteria with more recent amendment to include previous unjustified forbearance months, I have made well over 120 PSLF qualifying payments. 

I submitted my first application on XX/XX/XXXX for PSLF with a request for consideration for loan forgiveness through TEPSL, as my correspondence with FedLoan indicated to do. Despite serving in the public mental health sector for over ten years at that time, this request was denied. 

After the limited waiver was introduced, and particularly with the additional allowances targeting unwarranted forbearance periods, I thought this issue would finally be resolved. 

I submitted applications for PSLF on XX/XX/XXXX and XX/XX/XXXX. I submitted a complaint to Federal Student Aid on XX/XX/XXXX when I had not yet received an update to my qualifying payments despite the overwhelming evidence with documentation I submitted. On XX/XX/XXXX, I submitted further documentation verifying my non-profit work in providing mental health services to children and adults of my community. 

I have painstakingly documented the uncounted qualifying payments through previous and current employers as well as forbearance months which clearly coincide with changes in payment plans and was done on the advice of FedLoan officers at the time. On XX/XX/XXXX, I received an " update '' on my complaint filed through the office of Federal Student Aid only after requesting that the complaint be escalated to the Ombudsman group. 

However, the response merely stated the months of forbearance ( again, for reasons which the limited waiver is explicitly meant to correct and compensate for ) was not approved without reason. The response also stated my PSLF request on XX/XX/XXXX has not yet been processed and made no mention of my XX/XX/XXXX request. Although this most recent correspondence directs the borrower to submit a request for reconsideration, this process began with request to review my information. 

The delay in processing is unacceptable and I would like your assistance. Attached is the most recent email indicating my complaint was closed ( without legitimate resolution ) as well as a screenshot of my complaint 's case description and included documentation. This should clearly illustrate what over 25 email confirmations from FedLoan also highlight, that all requested information to process PSLF has been submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/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  Account # XXXX - ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 XXXXXXXX 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.

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