vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: NY

Complaint narrative:
Good day, Per the FCRA 15 USC 1681 section 602 a clearly 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. '' Experian 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 the Gramm-Leach-Bliley Act 15 USC 6801 - " 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. '' According to the definitions under the aforementioned title, the following furnishers of information ( I'm including the account numbers as well ) are considered financial institutions : On Experian : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I did NOT give verbal or written permission to the aforementioned furnishers, XXXX nor Experian to furnish any information, according to 15 USC 1681 Section 604a section 2.

You can see 15 USC 6802 ( b ) ( c ) regarding a financial institution disclosing nonpublic personal information to a nonaffiliated third party.

Also see 15 YSC1681C ( a ) ( 5 ) " 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. '' These accounts are adverse and being reported without permission which is not allowed per 15 US Code 1681s-2 ( A ) ( 1 ). Both XXXX and Experian are not adhering to 15 USC 1681e which says " 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. '' I also sent in required documents to identify myself and requested that my personal information be updated ; however, Experian has XXXX names and XXXX addresses on file for me. Again, my name is : XXXX XXXX and my address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  And per 12 CFR 1016.7 again, 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 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested fraud alert be placed on my credit report and security freeze along with fraudulent account being blocked after submitting ftc report and identity theft affidavit notarized. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

As Surety, I have the power to stipulate. I stipulate that this fraudulent account be removed from my Surety 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 2023-12-29 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:
I saw an account with XXXX on my credit report and I have never had any dealings with XXXX. I have never been there or purchased anything from them. I do not know how this account got put into 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 2023-12-29 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: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TN

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
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've recently had my Experian and XXXX accounts taken over by fraudsters. Both of these accounts have been locked down for weeks. I've sent via mail all the necessary identity information they requested in order to give me back access and after placing weekly calls to both these credit bureaus they still say its being processed and I don't have access.

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 2023-12-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 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 adverse 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 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 non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've recently had my XXXX and Equifax accounts taken over by fraudsters. Both of these accounts have been locked down for weeks. I've sent via mail all the necessary identity information they requested in order to give me back access and after placing weekly calls to both these credit bureaus they still say its being processed and I don't have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The Citibank XXXX XXXX and XXXX XXXX credit cards of mine were paid off and I called to have both accounts closed. XXXX for both XXXX XXXX XXXX XXXX XXXX XXXX  credit cards did not close the accounts. About 2 years later, someone committed fraud and maxed out the cards. Both XXXX XXXX and XXXX XXXX refused to provide me help. I made several calls to cancel these accounts, and after every call to cancel, I would receive yet another NEW credit card in the mail and have to call again to cancel it and ask why they keep sending me new cards when I cancel the accounts. Citibank has let thousands of dollars in interest compound into a debt far passed the cards ' legal limits. It appears they then sent the sums of debt to debt collection agencies that call non-stop.I don't know what to do. I will never shop at XXXX XXXX XXXX or XXXX XXXX again, and I refuse to ever use Citibank for anything again. Absolute crooks.

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 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Company repeatedly calls from various numbers from XXXX, Florida and no one speaks. Whenever I inadvertently pick up, I get the automated message of who the company is calling and then attempted to put me through to a live person, which automatically disconnects. I have currently blocked the numbers that have called from the area code but they keep changing the numbers that call me. Below are a few recent calls with dates and attached numbers. All times are 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I signed up for services that I didn't approve of like identify fraud and I was charged outrageous over draft fees.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have an account on my credit report from XXXX XXXX XXXX XXXX. Experian refused to do a proper investigation of the debt during a dispute, and only allowed me the length of a tweet to provide any information. I have multiple CFPB complaints against XXXX XXXX XXXX XXXX and am pursuing legal action against them. This company first contacted me and did not claim to be a debt collector they later contacted me and did not properly verify the debt. Since then they claimed they were hired by themselves to collect this debt, even though they say theyre collecting on behalf of XXXX  XXXX XXXX XXXX I never owed any debt to XXXX  XXXX XXXX llc. In fact in there verification documents they literally state I owe it to XXXX XXXX XXXX. Now on top of that this supposed original debt came from a scam that was being run. The original contract they provided is legit but the company broke it and backed out. The balance sheet is completely made up and full of wrong information. If you would take 2 minutes to look you would see it says Im their tenant, which Im not and never was. And this was a move out sheet but my move out date on the sheet is listed in 2024. XXXX XXXX XXXX XXXX is not a real debt collector they are scammers who got hold of some information with some other scammers and are making up a fake debt. Not to mention the amount reported isnt even right theyre illegally reporting interest and fees. And once again the original creditor they have listed I never even had an agreement with, they arent part of this at all. And theyre claiming to be hired to collect for themselves but have said that nowhere else.

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 2023-12-29 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: CA

Complaint narrative:
Requested opt out... 
XX/XX/2023 XXXX XXXX XXXX Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX  XXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ). 
As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations. 
Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,

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 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/23 I requested a refund of payments made during the COVID-19 payment pause in the sum of {$77000.00} from Nelnet. In XXXX Nelnet transferred my loans to XXXX. Both companies claim the other is responsible for this refund. Both companies also claim I am still to be making payments to both of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST PORTFOLIO SERVICING INC
State: TN

Complaint narrative:
On XX/XX/2023 I requested in writing proof of debt. My information was involved in the XXXX XXXX XXXX. Claim # XXXX. First Access XXXX did not send anything one letter stating was valid account. I have not received copies of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: IN

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 2023-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
I purchased a water softner system, that was bait and switch, the contract was for {$3000.00}, and Agua finance states it is {$8000.00}, I set up auto pay with them in the beginning, and have not changed anything, when I went to pay it off in XXXX of this year I was told I had missed payments, which is not true, I have my bank statements showing auto pay, I was told by their customer service out of XXXX  that they had changed the way they collected the auto pay ( in fact they changed it XXXX  in XXXX  ), I told them that they needed to retrieve my money, ( find it ), and fix their problem. The customer service person told me it was my problem, not theirs, and that he had the power to ruin my credit, and I told him I would get a lawyer, he then told me to go to XXXX, and said that as I was talking to him he ruined my credit. I was bait and switched, lied to, and defrauded by this company, they have ruined my credit, and frankly they are corrupt, and are being able to defraud thousands of people ... .where is consumer protection. My brother passed away in XXXX and I need to pull equity out of my home to pay the costs, and I can't because of what Aqua finance did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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 saw an account with XXXX on my credit report and I have never had any dealings with XXXX. I have never been there or purchased anything from them. I do not know how this account got put into 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 non-monetary relief
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
I saw an account with XXXX on my credit report and I have never had any dealings with XXXX. I have never been there or purchased anything from them. I do not know how this account got put into my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: IN

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 explanation
Consumer complaint received 2023-12-29 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must carry out their responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. These companies have violated my rights as a consumer No privity of contract exists only between the parties ; no third party can obtain rights continued within a contract or the buyer-seller of a contract without the express written permission of the original parties. XXXX XXXX XXXX account number : XXXX, Portfolio Recovery Associate account # XXXX XXXX XXXX. As the consumer, I assert my right to safeguard my private information, as supported by 15 USC 6801, which underscores the congressional policy that financial institutions, including furnishers of information to credit agencies, are obligated to uphold customer privacy and protect nonpublic personal information. These companies and the sellers have violated my rights as a consumer!

Company response to consumer: Closed with explanation