vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: FL

Complaint narrative:
To whom it may Concern, My name is XXXX XXXX and reporting violation on my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Any and all consent to Equifax, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: FL

Complaint narrative:
To whom it may Concern, My name is XXXX XXXX and reporting violation on my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Any and all consent to XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2024-02-05 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Subject : Urgent Action Required : Unlawful Credit Reporting Violations - Reference to California FCRA and Identity Theft Laws Dear KIMBALLTIREY, I hope this message finds you well. I am reaching out to address a concerning matter related to the unauthorized reporting of information to my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as California identity theft laws, specifically Penal Code Section 530.5. 

It has recently come to my attention that KIMBALLTIREY has engaged in the unauthorized reporting of information to my credit report without obtaining my explicit consent. The FCRA explicitly outlines the consumer 's right to grant consent for such reporting activities under Section 1681b ( a ) ( 2 ), and it is imperative to adhere to these federal regulations. 

In addition to federal law, California state laws, especially Penal Code Section 530.5, highlight the serious nature of unauthorized access and misuse of personal information, emphasizing the need for explicit consent in credit reporting. 

I want to make it unequivocally clear that I have not provided consent for KIMBALLTIREY to report any information to my credit report. This lack of explicit permission constitutes a direct violation of my rights, with the potential to harm my creditworthiness and a blatant disregard for federal and state laws. 

I insist that KIMBALLTIREY immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Penal Code Section 530.5. Failure to comply within the specified 30-day timeframe will be considered as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not open for negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I urge you to give immediate attention to this matter, and I expect that KIMBALLTIREY will promptly rectify these violations, respecting my rights under federal and state laws. 

Thank you for your prompt action in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Friday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Friday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Saturday XX/XX/XXXX XXXX XXXX  This is a XXXX XXXX XXXX that adverse credit information is scheduled to be reported to the credit bureau ( s ) by CREDIT COLLECTION SERVICES ( a debt collector ). You can pay {$66.00} due XXXX XXXXXXXX XXXX by calling XXXX or by visiting XXXX. Reference File # XXXX. Thursday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit www.ccspayment.com. Reference File # XXXX. Friday XX/XX/XXXX XXXX pm This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit XXXX  Reference File # XXXX. XXXX XX/XX/XXXX XXXX pm This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit XXXX. Reference File # XXXX. Sunday XX/XX/XXXX XXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
On XXXX XX/XX/year>, I submitted a request through the XXXX portal ( request id number XXXX ) to pay the department of education - Mohela for the sum of {$610.00}. The request was approved by XXXX the same day and has been pending acceptance of payment by Mohela for over 8 weeks. I have called Mohela numerous times to get an update on my payment request and the customer service representatives in the billing department have no knowledge of how to handle XXXX XXXX Awards. Upon my requests to speak with a Mohela representative who is in charge of receiving or handling XXXX XXXX XXXX payments, I was informed on numerous occasions that Mohela does not employ such an individual and does not have a department that I can be referred to to answer any questions regarding this matter. I have called XXXX twice and they have confirmed both times that the payment request has been submitted correctly and that XXXX is still waiting on a Mohela representative to accept the payment. Mohela is effectively preventing former XXXX members from using their XXXX awards to make timely federal student loan payments. My account is now delinquent because of their inaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.

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 2024-02-05 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: NC

Complaint narrative:
Upon investigating I found a number of falsely reported inquiries. I did not give the bureaus permission to give away my information to the companies on the dates started. Yet somehow by their placement of them on my credit repot they are considered verified without them having ever verified their validity or getting consent from 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 non-monetary relief
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report. Your swift attention to and resolution of this matter are greatly valued.

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 2024-02-05 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: WI

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am not liable for this debt due to me never having a contract with this corporation also it is illegal and unlawful to attack someones credit report 42 USC 408, 15 USC 1681 which states I have the right to privacy and my credit should not have been attacked without written consent from me. They are also in violation of RICO for double dipping

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am not liable for this debt due to me never having a contract with this corporation also it is illegal and unlawful to attack someones credit report 42 USC 408, 15 USC 1681 which states I have the right to privacy and my credit should not have been attacked without written consent from me. They are also in violation of RICO for double dipping

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 2024-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
First, TSI is attempting to collect an amount of money that I do not -- and have never -- legally owed to XXXX XXXX XXXX. Second, TSI has made efforts to fraudulently collect a debt I do not owe, SUBSEQUENT to the XXXX XXXX XXXX stating that I do NOT owe any amount and that they would have TSI remove my name and account from collection effort. Notwithstanding, TSI has continued its efforts to collect. 

I received a notice via USPS on XX/XX/XXXX that TSI was attempting to collect an amount of {$35.00} for a claim made by XXXX XXXX. I logged into the online account on XX/XX/XXXX to confirm and found the online system also claimed the same amount was owed. 

I promptly send certified mail to TSI disputing the debt was owed and showing proof via an EOB from my insurance that I have a zero liability amount for the date of service visit for which TSI is attempting to collect a debt. I also included a check number of payment from XXXX to XXXX. 

Further I notified TSI that I was erroneously billed by XXXX and that the amount had been paid in full by XXXX XXXX on XX/XX/XXXX, per my phone call discussion with XXXX on XX/XX/XXXX. XXXX notified XXXX XXXX on XX/XX/XXXX that I had zero patient liability. 

Furthermore, pursuant to filing a XXXX XXXX XXXX  Complaint ( which was subsequent to confirmation from my insurance company that I have, and always had zero liability ), XXXX contacted me on XX/XX/XXXX to notify me that they were no longer seeking money from me and would remove any such charge from collections. In fact, XXXX committed to calling the XXXX contact at TSI on XX/XX/XXXX to remove my account from any such collection effort in progress. 

It was subsequent to the phone call with XXXX that TSI engaged in actions to collect and SUBSEQUENT to XXXX stating they no longer were seeking money, and that they would remove the alleged charge from collections. XXXX made these statements to me on the phone on XX/XX/XXXX and the contact name was XXXX in Patient Support Internal Billing, who may be reached at XXXX. 

Let me be clear I will not pay money that I have never owed and do not owe. TSI initiated and pursued action -- against regulations -- AFTER a medical service provider confirmed they sought no payment from me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-02-05 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: NJ

Complaint narrative:
None of those numbers on my credit report are mine, and never were my numbers. My number is 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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I found out my two credit card accounts were restricted while I was trying to change address as I recently moved from XXXX  to XXXX. In the mean time, I created a checking account and they sent a debit card to my old address, which I wanted to avoid. I did not get any notification from Capital One that my accounts had been restricted. I just found it 'by chance. ' I called Capital one customer service and requested address change. I was told it was impossible because my accounts were restricted. I asked why but I could never get answer for it. I received two emails to submit government issued photo ID, Social Security Card, and Proof of Residence. I sent to two different recipient my green card issued by US Government, Social Card and Homeowner 's Insurance. Local government accepted same documents to prove my ID and proof of residence. However, Capital one called me in a week or so and said they DO NOT accept green card They only take utility bills. So I sent my temporary drivers license and water bill I received from XXXX XXXX XXXX. In 10 days, I got another call that they DO NOT accept the license as it was printed on one page and the utility bill is not the same form they accept. No one mentioned their 'Requirements ' but keeps adding new requirements every 10 days or so. This is so frustrating and I didn't have anything to do with this hassle in the first place. Two different persons keep calling me and requesting more and more personal information. I am even suspecting this can be a scam for identity theft. The callers were extremely arrogant and spoke to me in a threatening manner as if I am responsible for any potential problem by not following their never ending requests. All I want is to be able to use my credit cards again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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