vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
This is not a duplicate complaint! I reference the previous complaint number but it is new information in detail. 

In response to CFPB complaints # XXXX. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for violating a cease and desist notice they received XX/XX/XXXX  and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a Cease-and-Desist notice, Exhibit A which is a copy of the account reporting on my Experian consumer report, Exhibit B which is a copy of their response to CFPB complaint # XXXX, and a XXXX  of an FTC report that will be labeled as Exhibit C when filing litigation in Federal Court to this complaint. PDQ Services Inc stated, that they invite you to write us directly at XXXX XXXX  XXXX, XXXX, GA XXXX. I never contracted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with PDQ Services Inc and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. PDQ Services Inc " stated your dispute above is too vague and we need more information to complete an investigation. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving PDQ Services Inc any right to collect on this alleged debt. It is my belief that PDQ Services Inc are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. PDQ Services Inc also stated " we will be happy to provide a proper response. I have never received any documentation requesting by attempting to furnish validation from PDQ Services Inc before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If PDQ Services Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulent furnished account with forethought and malice as an attempt to bring

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: PA

Complaint narrative:
I looked on my credit report and saw there's a bankruptcy being reported without my consent. I have a right to privacy. This unauthorized reporting has caused me financial damage and great stress! I was recently denied approval of a XXXX  due to this intrusive reporting! 

XXXX XXXX XXXX  XXXX XXXX : XXXX Equifax is also in violation of 15 USC 1681 ( a ) ( 4 ). A consumer reporting agency can not furnish any information on my consumer report without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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  Account # 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. 



In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-22 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 instruction
s. 



In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction
s.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to Experian several times with regard to incorrect addresses and phone number information on my credit report. They refuse to update my personal information to show my one and only correct address and phone number on my credit report. This is a big concern for me due to the fact that I was previously a victim of identity fraud. Therefore, incorrect reported addresses opens up the doors for that to happen to me again. I sent them a letter on XX/XX/2022 and then again on XX/XX/2022 asking them to correct my personal information. I also called them in the past to update my information and they failed to update it as well.

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 2022-06-22 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 XXXX XXXXXXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, and XXXX XXXX XXXX acct # XXXX have violated my rights and have furnished my account information without my written consent and/or my written instructions. 

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 also states a consumer reporting agency can not furnish my accounts without my written consent and/or 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 2022-06-22 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: CA

Complaint narrative:
Hard inquiries by these following companies I will list underneath broke the law according to the FCRA [ Farir Credit Reporting Act ] " NOTHING CAN BE FURNISHED ON YOUR CREDIT REPORT WITHOUT YOUR CONSENT IN WRIGHTING

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 2022-06-22 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:
Hard inquiries by these following companies I will list underneath broke the law according to the FCRA [ Farir Credit Reporting Act ] " NOTHING CAN BE FURNISHED ON YOUR CREDIT REPORT WITHOUT YOUR CONSENT IN WRIGHTING

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 2022-06-22 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:
under the fair credit reporting act i have proof that accounts below has been reporting incorrect information on my behalf. these accounts are XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and 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 2022-06-22 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:
under the fair credit reporting act i have proof that accounts below has been reporting incorrect information on my behalf. these accounts are XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
i was reviewing my credit report and notice unauthorized inquiries on 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 2022-06-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i was reviewing my credit report and notice unauthorized inquiries on 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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I first recognized a problem trying to use my debit card on XX/XX/2022, when the card was rejected for payment. Shortly thereafter on the XXXX, I called my bank asking why the debit card was rejected, & their answer was that that they were no longer accepting checking accounts under a Trust Account & that I had not sent paper work back to them on a given date which had expired.. They closed my checking account & would not allow any trans-actions other than credits into my my account. I spent over 2 hours on the phone trying to resolve the problem on that same day to no avail. I am a senior citizen living on SSA & retirement military pay from my deceased husband, which is my only source of income. They said the only thing I could do was open a new personal account with their institution & that all transactions with the account under my trust name were frozen until debits had hit the account. I am crippled monetarily as I can't have access to my SSA & DFAS deposits to pay any bills or access any $ out of this frozen account that will be closed when all debit transactions have stopped. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The loan servicer has not paused my payments/interest during the XXXXplus years in which the Presidents of the United States enacted payment pause of student loans during the COVID pandemic. During this time, Navient would guide me into forbearance and not pausing these loans, The Department of Education sent me an email ( that I have enclosed ) stating my loans should be paused until XXXX of this year by the President of the United States. However, Navient continues to call and email me about my payments during this time. 

The Department of Education sent me an email ( enclosed ) dated XX/XX/2022, stating payment pause was extended to XX/XX/2022. Navient emailed me ( enclosed ) on XX/XX/2022, stating forbearance was an option concerning my federal loans with them not mentioning these loans should have been paused since the first payment pause from the Trump Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i was reviewing my credit report and notice unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, and XXXX XXXX XXXX acct # XXXX have violated my rights and have furnished my account information without my written consent and/or my written instructions. 

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 also states a consumer reporting agency can not furnish my accounts without my written consent and/or 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 2022-06-22 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 XXXX XXXX  Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, and XXXX XXXX XXXX acct # XXXX have violated my rights and have furnished my account information without my written consent and/or my written instructions. 

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 also states a consumer reporting agency can not furnish my accounts without my written consent and/or my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: CO

Complaint narrative:
The end of last year, I went through a refinance on a property in XXXX AZ with XXXX XXXX, XXXX is the loan servicing. I set up autopay the same I had it before the refinance and without notifying me, they removed it as my payment for mortgage. As a result, I have a 30 days missed mortgage payment which drastically dropped my score. I tried to dispute and they came back saying it was accurate reporting. It was accurate, but the only reason it was reported as late was due to their error in removing my autopay without notifying me. They said they sent mail, but I did not receive any mail correspondence because I would have acted on it as soon as possible, as I do everything I can to make sure my credit is solid. That mortgage is now paid off completely and I have never had a missed payment before of any kind. XXXX said my only hope was contacting the credit bureaus to get it reversed. Every month since XXXX of this year, I have submitted a dispute but the answer remains the same and they will not change it. This wasnt my fault and I dont know why I have to be penalized for it. I never got a call, never got an email, and nothing in the mail. I dont understand how I could have possibly known they cancelled my autopay.

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 2022-06-22 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: CO

Complaint narrative:
The end of last year, I went through a refinance on a property in XXXX AZ with XXXX XXXX, XXXX is the loan servicing. I set up autopay the same I had it before the refinance and without notifying me, they removed it as my payment for mortgage. As a result, I have a 30 days missed mortgage payment which drastically dropped my score. I tried to dispute and they came back saying it was accurate reporting. It was accurate, but the only reason it was reported as late was due to their error in removing my autopay without notifying me. They said they sent mail, but I did not receive any mail correspondence because I would have acted on it as soon as possible, as I do everything I can to make sure my credit is solid. That mortgage is now paid off completely and I have never had a missed payment before of any kind. XXXX said my only hope was contacting the credit bureaus to get it reversed. Every month since XXXX of this year, I have submitted a dispute but the answer remains the same and they will not change it. This wasnt my fault and I dont know why I have to be penalized for it. I never got a call, never got an email, and nothing in the mail. I dont understand how I could have possibly known they cancelled my autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: CT

Complaint narrative:
In accordance with the fair credit reporting acXXXX 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 explanation
Consumer complaint received 2022-06-22 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  Account Number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, all have 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.

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 2022-06-22 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 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, all have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
SO Basically I feel like I am being over charged for student loans I am a single mom of XXXX children I am struggling and these student loans are keeping me from doing anything productive for me and my family.I am currently still in school trying to pursue my career so I can live a better life for my children Its like every year it goes up tremedously I reached out to the lenders about this no response.

Company response to consumer: Closed with explanation