vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
under Consumer Law 15 U.S Code 1861 ( b ) Permissible purpose of consumer credit I did not authorize permission to report on my consumer credit.

15 u.s. code 1602 ( p ) the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 usc 1692b not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. Telling a third party that you owe a debt is illegal! First it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business.

15 US Code 1692J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. 


I contacted Caine & Weiner after finding a collection on my report on XX/XX/2022. I contacted the company and asked for validation letters and other documents to prove I had an debt owed, and instead the lady wanted to fulfill legal obligations on her end and not give me anything i asked for. she just kept dancing around my questions, and trying to collect money I have no knowledge of. 

I have student loans on my Report as well. The school I attended has put me in debt at {$16000.00}. XXXX  XXXX XXXX XXXX is in litigation and has been for quite some time now for Fraudulent & Misleading practices. There is a Fairness Hearing XX/XX/2022. The problem I have is when i contacted the XXXX  and XXXX  about the matter they verified " XXXX XXXX XXXX XXXXXXXX '' and did nothing about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 

1.XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 4.XXXX XXXX Account # XXXX 5.XXXX XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A . States i have the right to privacy.

15 USC 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 

1.XXXX  XXXX Account # XXXX 2.XXXX XXXX  XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX  Account # XXXX 4.XXXX XXXX Account # XXXX 5XXXX XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX  Account # XXXX 15 USC 1681 section 602 A . States i have the right to privacy.

15 USC 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have a account that i have tried disputing with the credit bureaus. As a consumer i know my rights. I have the right to accurate and fair information to report under my XXXX digit credit number. I never gave consent to this company to furnish my information, They are already in violation of 15USC 1681B. I have a right to privacy as a consumer and they have a duty as a C.R.A. The companies listed in this report have failed to comply with federal law regrading consumer credit.

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 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX ( credit card ) XXXX XXXX XXXX ATTN CUSTOMER SUPPORT XXXX XXXX, CA XXXX USA The above credit card company has me listed as a joint account holder of an account that I have not authorized myself to be on. I have tried for over a year to be removed. I have tried contacting the above company to no avail. You have to have a credit card number to access their system. I DO NOT, nor have I ever been issued or asked for a credit credit card from this merchant. I am looking for a way for them to compensate me for falsely reporting reporting on my credit report period. I have tirelessly disputed with the credit bureaus as well to the point they are denying my request to dispute this debtor. Thats why I have turned to you. The bureaus ( trans union, XXXX XXXX ) will have a paper trail of my disputes. 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 non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX  ( credit card ) XXXX XXXX XXXX ATTN CUSTOMER SUPPORT XXXX XXXX, CA XXXX USA The above credit card company has me listed as a joint account holder of an account that I have not authorized myself to be on. I have tried for over a year to be removed. I have tried contacting the above company to no avail. You have to have a credit card number to access their system. I DO NOT, nor have I ever been issued or asked for a credit credit card from this merchant. I am looking for a way for them to compensate me for falsely reporting reporting on my credit report period. I have tirelessly disputed with the credit bureaus as well to the point they are denying my request to dispute this debtor. Thats why I have turned to you. The bureaus ( XXXX XXXX, XXXX, equifax ) will have a paper trail of my disputes. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX ( credit card ) XXXX XXXX XXXX ATTN CUSTOMER SUPPORT XXXX XXXX, CA XXXX USA The above credit card company has me listed as a joint account holder of an account that I have not authorized myself to be on. I have tried for over a year to be removed. I have tried contacting the above company to no avail. You have to have a credit card number to access their system. I DO NOT, nor have I ever been issued or asked for a credit credit card from this merchant. I am looking for a way for them to compensate me for falsely reporting reporting on my credit report period. I have tirelessly disputed with the credit bureaus as well to the point they are denying my request to dispute this debtor. Thats why I have turned to you. The bureaus ( XXXX XXXX, experian, XXXX ) will have a paper trail of my disputes. 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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As an uninformed consumer, I entered into a loan contract which is I am now informed is supposed to be a consumer credit transaction with Department of Education for higher education. I, the consumer, was uninformed of proper disclosure and opt out options for this extortionate contract. Furthermore, I, the consumer, have been violated through tarnish of reputation with reports to the CRAs. Department of Education have communicated without written permission inaccurate information and has committed identity theft because no permission is theft. 
Attached is a cease and desist and copy of consumer reports

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As an uninformed consumer, I entered into a loan contract which is I am now informed is supposed to be a consumer credit transaction with Department of Education for higher education. I, the consumer, was uninformed of proper disclosure and opt out options for this extortionate contract. Furthermore, I, the consumer, have been violated through tarnish of reputation with reports to the CRAs. Department of Education have communicated without written permission inaccurate information and has committed identity theft because no permission is theft. 
Attached is a cease and desist and copy of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As an uninformed consumer, I entered into a loan contract which is I am now informed is supposed to be a consumer credit transaction with Department of Education for higher education. I, the consumer, was uninformed of proper disclosure and opt out options for this extortionate contract. Furthermore, I, the consumer, have been violated through tarnish of reputation with reports to the CRAs. Department of Education have communicated without written permission inaccurate information and has committed identity theft because no permission is theft. 
Attached is a cease and desist and copy of consumer reports

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 2022-09-21 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: MI

Complaint narrative:
In XX/XX/2022, I sent a letter showing identity theft/fraudulent accounts on my credit, and they failed to comply.

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one called to ask if I had inquired for a credit card on XX/XX/2022 I had my information stolen and fraudulent inquiries have been made ever since. 


The person that stole my identity goes by the name XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Closed case XXXX by Capital One is wrong on there investigation.

- Capital One States : My s.s. and birth date match records. 
I sent in how my PC was corrupted and all my personal information was stolen - Capital One States : My name bought a ticket on XXXX XXXX under the credit card I was not on a flight and XXXX XXXX proved they see no purchase back to XXXX - Capital One States : States the card was sent to XXXX XXXX XXXX XXXX XXXX XXXX 
I sent in a copy of ownership of XXXX XXXX XXXX XXXX XXXX XXXX pulled from town hall I sent in my morgtage and tax statement from my address in XXXX located in FL I sent my w2 from XXXX and XXXX. I never lived or been to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: EdFinancial Services
State: MN

Complaint narrative:
I submitted a refund request to edfinancial and I assumed there would be someone who could give me any information on when that would happen. I expected even a timeline of any sort but I got no information and they refuse to give me any saying " we are given no timeline or information on when it will happen. '' They are sounding extremely sketchy with my refund and I don't actually think it is getting handled properly. Edfinancial has told me nothing on both phone calls I've had XXXX weeks apart from each other giving them time to hopefully get some information but they continue to give me nothing. I never even got a conformation of the request being sent in so I have to rely on their word over the phone alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: FL

Complaint narrative:
I am interested in consolidating my XXXX loans into a Direct loan, in light of the recent change in policy announced here : XXXX XXXX XXXX  This announcement states that prior payments made to the XXXX loans that are consolidated into Direct loans will count towards the Income Driven Repayment plan forgiveness. 

However, the loan consolidation application on the studentaid.gov website states the opposite, in section J. It states : " J. Any payments I made on the loans I am consolidating ( including any Direct Loans ) before the date of consolidation will not count toward : The number of years of qualifying repayment required for loan forgiveness under the XXXX Plan, the XXXX, the XXXX Plan, or the XXXX XXXX ( see XXXX Item XXXX ), or The XXXX qualifying payments required for Public Service Loan Forgiveness ( see XXXX Item XXXX ). '' I called XXXX XXXX XXXX XXXX XXXX ( XXXX ) and stated that I do not want to sign a loan consolidation agreement that contains provisions that conflict with the policy announced in XXXX. The agent said that there is only XXXX consolidation application. I asked to escalate the issue to a XXXX and was told that IF the consolidation agreement is updated that I would be able to see it in the announcement section of the XXXX website. This is simply not acceptable. 

It is unfair and unconscionable that I am being forced to choose to rely on public statement of policy regarding prior payments and pray that this statement is adhered to, when the actual agreement I am signing does not reflect the policy. I am only interested in consolidating my loans into Direct loans if my prior payments are counted for purposes of XXXX forgiveness. 

In light of the conflicting information, I do not want to sign a loan consolidation agreement that reflects terms that are not in my favor ( because it states that the prior payments on the XXXX loans will not count towards XXXX forgiveness ), and if enforced as written, which would cause me to lose many years of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX XXXX  ( XXXX XXXX XXXX  XXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX has all 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 an 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
A collection of {$90.00} showed up on my credit report on XX/XX/XXXX for an unpaid XXXX XXXX bill in XX/XX/XXXX. I quit claim deed and was no longer the owner of the property in XX/XX/XXXX. Apparently the tenant of the property did not pay their electric bill in XX/XX/XXXX and XXXX XXXX filed the collection against me and sent to collections through XXXX. XXXX XXXX XXXX. I filed a dispute with XXXX, XXXX and Equifax. Both XXXX and XXXX confirmed I was not the owner and deleted the collection from my credit report. Equifax has not deleted this collection from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i need to update my phone number on 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 explanation
Consumer complaint received 2022-09-21 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: Troy Capital, LLC
State: GA

Complaint narrative:
A company called troy capital llc. has been running a hard inquiry on my credit without my approval This is the second time this year that this company has ran a hard inquiry on my credit And it's concerning that a company I have no knowledge of, would have my personal information and run my credit without my knowledge or approval Date of inquiry XX/XX/2022, was the first time i disputed the inquiry and XX/XX/2022 is when did another inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX accounts with high balances of {$4500.00} and {$500.00}, 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