vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
Upon checking my credit report through XXXX XXXX on XX/XX/XXXX, I noticed a fraudulent student loan account had been opened, with a balance of {$1600.00}, and a current balance of {$180.00}. This action dropped my credit score XXXX points! I did not generate this action and did not authorize this activity. This account is a result of identity theft. I filed a local police report with the XXXX Police Dept. I have filed a dispute with XXXX, XXXX and Equifax and filed a theft/fraud report with the US Dept . of Education where the fraudulent loan was made and with the FTC Identity Theft group. 

Resulting responses by XXXX XXXX and the three credit reporting agencies were that the loan was verified as accurate, based on my social security number. This was the very thing I was disputing ; the someone used my SS # fraudulently! 

Further investigation by the U.S. Department of Education 's office of Federal Student Aid revealed the fraudulent activity was not a student loan, but a Pell Grant and was issued through, first by XXXX XXXX, and later transferred to XXXX XXXX XXXX. 
Their office has confirmed a Free Application for Federal Student Aid ( FAFSA ) for the XXXX award years was applied for in my name, which required the school to award a maximum eligibility in aid funds. 
{$6300.00} in Federal Pell Grant Program funds were awarded to the account for the XXXX XXXX award year, however, only {$1600.00} was disbursed due to an enrollment change from full time to less than 3/4 time, which reduced the Pell Grant eligibility, therefore, {$180.00} of the Pell Grant was a reported as an overpayment. The reported overpayment of {$180.00} is still outstanding. If I allege I am the victim of identity theft and did not attend this school, or complete a FAFSA application, I needed to contact the school directly for assistance. 
I notified fraudulent loan claims with XXXX XXXX XXXX, the Chancellor and Vice Chancellor of the XXXX XXXX XXXX XXXX XXXX, the office of the Federal Dept. of Education Ombudsman and the Department of Education Debt Management & Collections. Each entity kept sending me to a previous entity. I am getting the runaround. It seems simple. If someone would check the registrar 's or attendance office and produce the photo ID card and signature card of this account, it will be clear that this Pell Grant was obtained fraudulently in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
Upon checking my credit report through XXXX XXXX on XX/XX/XXXX, I noticed a fraudulent student loan account had been opened, with a balance of {$1600.00}, and a current balance of {$180.00}. This action dropped my credit score XXXX points! I did not generate this action and did not authorize this activity. This account is a result of identity theft. I filed a local police report with the XXXX Police Dept. I have filed a dispute with XXXX, Experian and XXXX and filed a theft/fraud report with the US Dept . of Education where the fraudulent loan was made and with the FTC Identity Theft group. 

Resulting responses by XXXX XXXX and the three credit reporting agencies were that the loan was verified as accurate, based on my social security number. This was the very thing I was disputing ; the someone used my SS # fraudulently! 

Further investigation by the U.S. Department of Education 's office of Federal Student Aid revealed the fraudulent activity was not a student loan, but a Pell Grant and was issued through, first by XXXX XXXX, and later transferred to XXXX XXXX XXXX. 
Their office has confirmed a Free Application for Federal Student Aid ( FAFSA ) for the XXXX award years was applied for in my name, which required the school to award a maximum eligibility in aid funds. 
{$6300.00} in Federal Pell Grant Program funds were awarded to the account for the XXXX XXXX award year, however, only {$1600.00} was disbursed due to an enrollment change from full time to less than 3/4 time, which reduced the Pell Grant eligibility, therefore, {$180.00} of the Pell Grant was a reported as an overpayment. The reported overpayment of {$180.00} is still outstanding. If I allege I am the victim of identity theft and did not attend this school, or complete a FAFSA application, I needed to contact the school directly for assistance. 
I notified fraudulent loan claims with XXXX XXXX XXXX, the Chancellor and Vice Chancellor of the XXXX XXXX XXXX XXXX XXXX, the office of the Federal Dept. of Education Ombudsman and the Department of Education Debt Management & Collections. Each entity kept sending me to a previous entity. I am getting the runaround. It seems simple. If someone would check the registrar 's or attendance office and produce the photo ID card and signature card of this account, it will be clear that this Pell Grant was obtained fraudulently 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 explanation
Consumer complaint received 2022-06-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXXXXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  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 2022-06-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: MD

Complaint narrative:
debt due to identity fraud please investigate and remove I've made numerous attempts to get removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: IL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against TransUnion for their interim response provided on XX/XX/2022, to existing complaint # XXXX. TransUnion 's response is as follows ; COMPANY 'S INTERIM RESPONSE 'We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request ''. That response is a violation of 15 usc 1681i ( a ) ( 1 ) ( A ) which states, In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I am aware that TransUnion has a total of 30 days, starting on XX/XX/2022, not 60 days as stated in their response, by Federal Law to complete a full, proper and accurate re investigation to this original dispute. Or delete item from my consumer file. As of today, XX/XX/2022, TransUnion has not responded to complaint # XXXX. Which is past the allowable time frame to complete their investigation.

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 2022-06-02 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: NY

Complaint narrative:
someone had applied for a capital one account in my name and i did receive a phone call to find out if i submittted an credit application and i don't recall applying for a credit card and i was told that the inquiry should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: KY

Complaint narrative:
Reports were made about incidents last the 7 year look back rule. I did not get the job I was seeking even though my record is clean for the last near ten years and information from almost ten years ago was released for a job paying less than XXXX XXXX a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL 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 2022-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Nothing under the Fair Credit Reporting Act require a furnisher to furnish negative information to any consumer reporting agencies. The term negative information means information concerning a consumer delinquencies late payments insolvency or and form of default. The term non-public personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. Congress stated results from any transaction with the consumer so sharing non-public personal information to the consumer reporting agencies such as late payments you are in violation .Furnishing negative information is a violation of the consumer credit protection act. You are only furnishing this negative information because your company policies allow you to use unlawful extortionate means to coerce a consumer to make payments on extension of credit. No negative information should be furnished to a consumer credit report without their lawful authority. You are committing unlawful extortionate means such as furnishing nonpublic personal information i.e late payments charge off etc Credit acceptance you can get 20 years for violating 18 u.s.c. 894.Credit acceptance remove all late payments immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA

Complaint narrative:
The Hospital has taken my information and without my consent has sent it to a collection agency who is calling me non stop and threatening me if I do not pay. This collection company has also sent wrong information to all 3 credit bureaus, affecting my credit score and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Used XXXX of my Capital One Credit Cards to purchase XXXX gift cards at XXXX XXXX in XXXX California, yet when using that purchased card ( and amount ) to load the value into my XXXX account it showed as no value on the card. I'm aware of, and received notice, of a class action settlement for using debit or credit cards at XXXX ( http : /XXXX/, XXXX v. XXXX XXXX XXXX XXXX and am concerned about both the initial issue, as well as XXXX 's response when I made them aware. I took the card, and receipt, back to the exact location it was purchased was asked to leave my name and number, and the clerk made a photo copy of all the documents and said someone would call the next day. The next day passed, and then the following day I followed up again, in person. Again, I was asked to provide my name and number, and they still didn't follow up are offer refund for a faulty product they offer. It's been several days beyond that point and still they have not follow up on their statements or promise. 
I've alerted Capital One of the issue, and am looking for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian sends regular non-account specific marketing emails and tries to pass them off as non-marketing emails. On the bottom of these emails they say you can not unsubscribe from them. 

" Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. '' A " recent change to your account '' can be : - a change in credit balance This is NOT a legitimate account specific update, and even if the company argues it is, then I should be able to unsubscribe from it.

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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ally Bank said they were closing the account on XX/XX/22 due to unauthorized activity totaling around {$160.00}. I know its not a lot of money but it shouldnt matter. I mean if its my account and I didnt make the transactions why am I at fault? The past two months Ive regretted ever having an account with them. I have read reviews online where they did the same thing to others but much worse. They closed their accounts and stole their money. I mean I just dont want that to happen to me. I would advise anyone thinking of opening an account with them to rethink their decision to do so.

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 2022-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I spoke with this company back in XXXX, I told them to send me proof that I owe this company. pursuant 15 USC 1692c ( b ) I never gave the company written permission to communicate with me concerning alleged debt. I.C. systems has placed this account on my credit report without notifying me about the proof of alleged debt, and have disregarded what the proof of alleged debt that I asked for. When they contacted me by phone at my work place. I.C.SYSTEMS continues to run my credit report without my permission, they have stolen my identity and they are selling securities using my name which is fraud under 18 usc 1348 selling securities and commodities. This XXXX  company is in bankruptcy and I am still a customer with this company. I am aware of the certificate of indebtedness which XXXX  and i.c systems uses assets on the trading market also they filed a 1099 c with the irs for all debts. yet failed to provide me with that 1099 c copy. I expect i.c.systems to be removed from all three of the credit reports immediately, and I also expect for XXXX  to stop stealing my information and giving it to these companies because I know that they are in bankruptcy and it is illegal what they are doing. I am still a customer with this company. I have paid a deposit to be with the company BACK IN XXXX and now with the second attempt to collect a debt that I do not owe they steal my information to make money by selling my securities. My name is copyrighted and I do not appreciate them stealing from me. I will be contacting the sec. exchange and comptroller because this is out of hand. I am also aware that all debts are a obligation of the united states and that both companies have already been paid.

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a copy of my credit report and found the following items to be inaccurate ; 1 Capitol One account number XXXX has multiple inaccuracies. 1. Across the XXXX bureaus the dates of last payments received are inaccurately reported ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX 2.Dates last active ( XXXX ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX 3.XXXX  comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act. By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached out to XXXX reporting agency as well as Trans Union reporting agency in regards to several inquiries that are Invalid. I have reached out to XXXX and successfully gotten these invalid increase delete it from my Credit report. Upon contacting XXXX and Trans Union they consistently attest that these inquiries are accurate and will not be removed until said date.

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 2022-06-02 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation