vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. I have advised this company that this debt is not owed, however, they continue to place this on my credit report for the second time. I have shown proof of such, which was ignored. The address this company has on file for me is not mine and I've never lived there. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I started to look for a vehicle this summer and a bunch of inquiry reports just started popping up under my profile then I noticed two or three loans assumed that I have no knowledge of all around {$40000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I have received a letter from Sequium Asset Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This company is telling me I owe XXXX money and I have verified TWICE now with XXXX that there is NO OUTSTANDING DEBT! 

Reference # XXXX from XXXX are : XXXX XXXX and now XXXX XXXX Please make the harassment STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My car was stolen with my personal information in it. I recently have had so many inquiries on my report and transunion and XXXX have failed to assist me ugh getting this fraudulent activity removed. I have emailed multiple letters, I have called and still have received no help

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 2021-11-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no Response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted TRANSUNION last Friday about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( XXXX and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell TRANSUNION whatever to report on my consumer report under FCRA. Failure for TRANSUNION to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit.

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 2021-11-16 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: MI

Complaint narrative:
My car was stolen with my personal information in it. I recently have had so many inquiries on my report and XXXX and equifax have failed to assist me ugh getting this fraudulent activity removed. I have emailed multiple letters, I have called and still have received no help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Every time I try up upload supporting documentation to this loan servicer the website is inoperable. No one responds via " customer service '' when you email them about the issue and when you call you are promised a call back with no response. This servicer is clearly doing this by design and it is not an occasional occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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 — Was not notified of investigation status or results
Company: HireRight Solutions, Inc.
State: GA

Complaint narrative:
Hire Right Background Services are not working in good faith. I am receiving information from representatives that is inaccurate. I have spoken to XXXX different supervisors concerning my pre-employment screen. XXXX started the lying. XXXX and XXXX joined the conspiracy on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: NE

Complaint narrative:
I contacted money lion on XX/XX/XXXX about a transaction that was not me. I submitted my written statement. Its been 14days and they told me that they just received my notice XX/XX/21. There XXXX full of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I contacted PayPal to submit a complaint about a particular seller. After over 90 minutes of back and forth, PayPal refused to officially chronicle any form of complaint. First, they said the seller had done nothing wrong so they would not note a complaint about the seller. I then accepted this was their policy. However, then I asked to submit a complaint regarding the fact that they refuse to even accept any complaints regarding a seller 's particular transaction practices. This is where the second and most important issue is : they refused to even chronicle a complaint about their own ( PayPal 's ) consumer practices. Even though I was talking to a PayPal agent, they refused to take this feedback or complaint and directed to me to the " feedback '' section of their site which I could not find after searching around their own site for about 20 minutes. Even searching the keyword " feedback '' on their help page did not pull anything up. 

I am submitting this complaint because a financial institution making it extremely difficult, if not impossible, to register complaints is essentially committing an unethical practice since it will be unable to produce any consumer records in the event of a governmental audit. I suspect this is probably why they make submitting complaints about the institution itself so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: NY

Complaint narrative:
I checked my credit report and this auto loan is on there, which I have no knowledge of.

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 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
Harris and Harris has contacted the home where I work. This is a private residence. Not my employer. They have been asked not to call my clients home, out of respect for their time and phone line, but Harris and Harris has not stopped. If they wish to speak with my employer, then they need to contact the main office. Most recent call was XX/XX/11, on a holiday, @ XXXX in the evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. Not only is this debt not mine but it also over 180 days old, & I have advised this company numerous times that this debt is not owed, however, they continue to place this on my credit report. I have shown proof of such, which was ignored the address this company has on file for me is not mine and I've NEVER LIVED THERE. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET. The credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 


REASON : FDCPA Sec 807 Misleading False Reporting- This violates the FDCPA law thus you need to remove this report off my credit report! 
Company Name : XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021, I received a text message alert saying that someone is attempting to XXXX  {$5000.00}. It asked me if I was the one trying to XXXX  the money and if not someone from the bank would be contacting me. ( This has happen with my credit/debit cards so it was not unusual. ) My phone rag and the caller ID said Chase bank. The agent on the other line said that the funds were sent but in order to reverse the transaction I would need to XXXX  the funds back to myself. He walked me through the process of sending the funds to myself. 

I did not fear anything at this point because I was simply sending the funds to myself and no one could get the funds except me because my email and phone number only belong to me and no one can legally use or claim them as their own. 

The Agent said someone would be calling me from the bank. When no one called I called the bank. Chase bank said that it was a scam and they are not responsible. They said to call XXXX at which time I found out that Chase is part owners of XXXX. XXXX said to talk to Chase?????? 

They completely have been giving me the run around!! 

I did some research and found the attached stories of tons of people who have had fraud committed against them for thousands of dollars in this same manner. 

A local news station Channel XXXX used its legal team to help victims recover the funds that they lost. The legal team ( attached ) found a Federal Regulation ( Regulation E ) that protects consumers from third party fraud. A directive was sent out in XXXX of this year. 

I filed a complaint with the Department of Agriculture and Consumer Services. They have also contacted Chase bank. I still have not heard from the bank about returning the money to my account. 

Everyone got their money back from the bank when channel XXXX confronted the bank. The reporter asked if the bank was familiar with REGULATION E. They said they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent & I have advised this company that this debt is not owed, however, they continue place this on my credit report. I have shown proof of such, I provided proof of identification which was ignored, the address this company has on file for me is not mine and I've never lived there. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I checked my credit report and saw this personal loan on it, which I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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:
As a consumer and natural person, Experian violated my right to privacy my furnishing alleged communication about alleged transactions to third parties. Pursuant to 15 U.S. Code 1681a, Experian has in fact included and communicated authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device by publishing the inquires below on my consumer report. In accordance with 15 U.S. Code 6802, I am exercising my right to OPT OUT of the disclosure of my nonpublic personal information to nonaffiliated third parties. 


XXXX/XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
XX/XX/2021 : I was informed by the credit bureaus that MBA placed a medical debt on my record. 
/////////////////////////////////////////////////////////////////////////// XX/XX/2021 : I mailed certified debt validation / verification letters to both MBA offices, one in XXXX TX and one in XXXX TX XXXX XX/XX/2021 : the letters were received by MBA XXXX XX/XX/2021 : The item was rightfully removed from my credit report. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021 : I received a response from MBA stating that they didnt have sufficient time to investigate the debt and would reach back when they finished the results. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021- XX/XX/2021 : sometime between the aforementioned dates, this item was REINSERTED into my file. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021 : I received a statement from MBA with a poor excuse for a document that they are trying to pass off as verifiable. There are no signatures, no official paperwork, no hospital paperwork, the page numbering is off, and there are even typos! It is a simple print off of a document that was clearly typed up by someone in their office. Frankly, Im quite offended that they thought I would even accept this. Not to mention, even if this were my information ( which it is not ) this document is clearly in violation of HIPAA. This document goes into very specific medical details about this patient. Lastly, this balance says {$0.00}. MBA, do better! 

Resolution : Permanent deletion of this item. Im filing a CFPB complaint against XXXX for violation of FCRA Section 611 for no notification of re-insertion. Im filing a HIPAA violation against MBA and XXXX XXXX for exposing their patients medical information to a stranger. These are serious violations and all 3 businesses need to be held accountable. Please see attached documents.

Company response to consumer: Closed with non-monetary relief