vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-06-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XX/XX/2020 XXXX XXXX  southwest credit system report to my XXXX, and XXXX  account on a theft report on my name with is fraudulent. I didnt authorize for any service or business with this company on behalf of I. Its fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a business checking account that went sideways. The account was closed and there was an outstanding balance of roughly {$2500.00}. This was paid in full last month at a local branch and I was told that this would satisfy the account and the negative reporting would be removed/reversed. I have since tried opening accounts with Wells Fargo and other banks and was declined - Since the negative reporting is still in effect. 

I have talked to two reps at Wells Fargo who basically stated the " I can never bank with Wells Fargo again. '' But this is not I was told in person at the branch. 

Please advise!

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 2023-06-01 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: TX

Complaint narrative:
I was alerted that someone opened an account without my permission. This account is a fraud, and I am a victim of identity theft. Please remove this account from my credit report. 

XX/XX/2023, account was opened for a a total of {$300.00} dollars. XXXX 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 2023-06-01 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: SC

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: MN

Complaint narrative:
In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Back in XXXX XXXX I went to One main financial for a small XXXXXXXX XXXX personal loan including interest fees. I had my XXXX  cosign at the time of loan agreement, I was in returned required to give my vehicle title for lien. I was mislead by one main financial by advertising me to pay off my full loan amount with in the first year and get my full interest back as a refund and my title returned. I paid my loan off in 9 months. I paid over the phone and asked question about when I would get my title back and the refund. She stated that they would both be mailed to me. I never received anything promised. When contacting them again I was told I had to pay to have my title replaced due to them saying it must of been lost in the mail. It is now XX/XX/XXXX with never seeing my interest refund or my title. I ended up having to get a new vehicle financed in XXXX. I unfortunately had a difficult time doing so cause of not having my title. I was required to pay an extended fee to have a replacement title made for me to trade in my vehicle. I didn't know who I could report this to but I'm just trying to get justice for myself and see the money I was promised reimbursed to me.. if there's anything you can do to help please do.. this had impacts on my personal finances, transportation priorities, and even impacted my credit score I was promised would of raised from paying extra and in full early. Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I was injured at work in XXXX and I was exposed to chemicals in the job. My XXXX had XXXX and had my half my XXXX XXXX. All this was workers compensation, workers injury. It's illegal to bill a worker if the injury is work related this law is found in California section 3751B. They are aware this was injury at work. I was billed illegally and they have been sent to collections. I have already disputed these inquires with the credit bureaus and they still are billing me. Protection from surprise medical bills This means consumers with health insurance generally wont be responsible for balance bills or out-of-network cost-sharing. If it passes the statues of limitation they shouldn't bill me. 
Deleted illegitimate collection ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX - {$80000.00} ) This item was Deleted from my credit thank you ; However this same company also made a total of 3 Hard Inquires as a DEPT COLLECTION AGENCY on my credit report on ( XX/XX/XXXX ) OIS RASH CURTIS AND ASSO ( XX/XX/XXXX ) OIS RASH CURTIS AND ASSO ( XX/XX/XXXX ) OIS RASH CURTIS AND ASSO I am requesting once again that these HARD INQUIRY COLLECTION AGENCY items also be removed from my credit report since they should not be on there. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
have contacted affirm to get them to help me log into my account SO I CAN PAY MY BILL AND KEEP MY CREDIT RATING IN GOOD STANDING,,,,, PLEASE HELP ME,,, I CALLED THEM AND YOU CAN SEE IN THE FILE THAT I UP LOADED TO YOU,,, I CALLED THEM AND STILL CAN NOT LOG IN TO MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
15 U.s. Code $ 1681c-2 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. it has been 30 days and you are in violation of this law because i am a victim of identity theft!! these accounts should not be furnished on my consumer report as they are in violation!!! under, 15 u.s. code 1681b - permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written I've identified information on my credit report that is a result of identity theft. None of these transactions was made by me. Account Names as followed XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX, XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/XXXX, I called my loan servicer and requested a refund of payments I made on the account and explicitly discussed that only those payments that can be refunded to me -- - I did not want them to send them back to my employer. 
On XX/XX/XXXX, my employer told me that they received a check from my loan servicer that mirrored what they distributed back in XX/XX/XXXX and that they could not give me the payment, but they would cash the check and credit it to the Agency 's funds. 
On XX/XX/XXXX I spoke with a Customer Advocacy Supervisor about this issue. They revalidated that this is in fact their error and that payments were only to be sent to account holders. She didn't have the ability to cancel the check in question, but she would try to send a letter to my employer explaining what happened, requesting that funds be sent back. 
On XX/XX/XXXX I spoke with a Customer Advocacy Supervisor about this issue, they reaffirmed that they mailed a letter to my employer on XX/XX/XXXX and that I should call back if this is not resolved by the 2nd week of XXXX. 
On XX/XX/XXXX, I spoke with a Customer Advocacy Supervisor about the issue, they reaffirmed that a letter was mailed to my employer on XX/XX/XXXX ( but my employer never received such letter ), and that she would personally draft me a new letter and it will arrive in 3-5 business days. 
On XX/XX/XXXX, I received the letter to give to my employer and they are contemplating whether or not they will release those funds that were returned. 

How is this possible? I asked for a refund of payments I made to the account and verified that I did not want any payments to be sent to my employer and that if they would be to " not '' refund those then. The loan servicer did not listen and sent the money to my employer. The loan servicer is trying to hold me accountable for the balance. That balance will begin accruing interest. This all benefits the loan servicer to my detriment. How is this legal? The loan servicer did not have me sign a single thing. I have a phone conversation request for this and it is costing thousands of dollars. Please help investigate this matter since I have no other recourse. I am at the mercy of my employer " choosing '' to remit payment back to the loan servicer, and the loan servicer is trying to hold me accountable for funds they illegally sent to someone who is not me. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
I have an account that is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: CO

Complaint narrative:
I submitted a complaint for the Bankruptcy on my credit report last XX/XX/2023. Last XX/XX/2023 I submitted a complaint for the FRAUDULENT items on my credit report but it was closed immediately. I submitted a complaint again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). This was my first time submitting a complaint for the FRAUDULENT items on my account. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: IN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. TRANSUNION is governed by 15 USC 1681. And they violated my rights numerous times.They also failed to protect my personal information Because of their data breach in 2022!!! I demand the accounts listed below be removed because, according to 15 USC 1681. I have the right to privacy and I did not give Transunion written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2023-06-01 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: KEYCORP
State: WA

Complaint narrative:
Keybank NA XXXX This account is NOT MINE. I am a victim of Identity Theft. I have disputed this account with the credit bureaus and Keybank and the account has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
I checked my credit report and noticed some fraudulent items that are in violation of the Fair Credit Reporting Act that needs to be removed. I am considering arbitration or litigation if these negative accounts aren't removed from my credit report. 

Accounts to be removed : 1. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) 3. XXXX OF 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 2023-06-01 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: PA

Complaint narrative:
On my Experian Report appears a Charge off from XXXX XXXX XXXXXXXX XXXX Acct # XXXX. It was confirmed in a phone call by Rep. XXXX as a Charge Off from XXXX and XXXX confirmed that is not reporting to Experian while Experian claims that is reporting without providing any evidence that is happening. My original dispute started on XX/XX/XXXX. and the letter was received by Experian XX/XX/XXXX. Report # XXXX. I did follow up and in Experian spoke to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and they all gave me a different answer and Projected Completion of the dispute results due XXXX. All of a sudden they say that the dispute should be solved on XXXX XXXX. In a letter sent by Experian XX/XX/XXXX and received via USPS XX/XX/XXXX. 2023 Report # XXXX mentions that the dispute results projected completion date is XXXX. How come they change the due date? Is that a stalling practice?

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Bilt Mastercard ( run by Wells Fargo ) was negligent in their duties to offer functional payment of my credit card debt. 

1 ) Their Bilt Mastercard website redirects all autopayment requests to a cell phone app 2 ) But that cell phone app is faulty and doesn't allow me to login even though I'm using the same username and password as the Bilt Mastercard website So I was left with a broken system for setting up the autopayments and I struggled for weeks with trying to login to the Bilt cell phone app to get payments setup. 

This broken payment system went on until a late fee showed up. After that late fee showed up, I complained to Bilt Mastercard about their broken autopayment system, I paid necessary debt immediately, and they waived the late fee. But they left the late fee on my history. So now I'm left with harm to my credit history by having this late fee on my Bilt Mastercard history. 

So I request the CFPB help me request Bilt Mastercard to remove the late fee from their history, so that the credit agencies do not see any late fee history. 

Bilt Mastercard recommended that I setup a dispute to get my request accomplished. They agreed that I execute a CFPB complaint and that I send a dispute as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number : XXXX Card Number Number : XXXX XXXX XXXX XXXX Social Security Number : XXXX XXXX : XX/XX/1978 Fax to XXXX Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA 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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jonathan Neil & Associates, Inc
State: WA

Complaint narrative:
Jonathan Neil & Associates , INC. is harassing me for an insurance claim that was part of an identity theft case. I have sent them all of the documentation that it is an established fraud case, including a letter from my lawyer, and the persist in contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
account is listed as open with past due with a balance of XXXX and in collection This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
I was injured at work in XXXX and I was exposed to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All this was workers compensation, workers injury. It's illegal to bill a worker if the injury is work related this law is found in California section 3751B. They are aware this was injury at work. I was billed illegally and they have been sent to collections. I have already disputed these inquires with the credit bureaus and they still are billing me. Protection from surprise medical bills This means consumers with health insurance generally wont be responsible for balance bills or out-of-network cost-sharing. If it passes the statues of limitation they shouldn't bill me. 
Deleted illegitimate collection ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$80000.00} ) This item was Deleted from my credit thank you ; However this same company also made a total of 3 Hard Inquires as a XXXX XXXX XXXX on my credit report on ( XX/XX/XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  XXXX I am requesting once again that these HARD INQUIRY COLLECTION AGENCY items also be removed from my credit report since they should not be on there. 
Sincerely, 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