vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United We Collect, Inc.
State: FL

Complaint narrative:
I have an identity theft incident. 

On XXXXXXXX XXXX XXXX, I was charged {$740.00} for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX The individual had my full name, birth date, and social security. 

Since XX/XX/2022 and present time, I have received numerous letters. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United We collect Inc. 

I have called XXXX XXXX  and requested a dispute. I have reported identity theft to XXXX XXXX XXXX XXXX and was told that this was just a scam. But problem has not been resolved

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and Acctount # XXXX, has violated my rights. 

15 U.S. Code 1681 section 602 A. States i have the right to privacy.

15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and Acctount # XXXX, has violated my rights. 

15 U.S. Code 1681 section 602 A. States i have the right to privacy.

15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and Acctount # XXXX, has violated my rights. 

15 U.S. Code 1681 section 602 A. States i have the right to privacy.

15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose

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 2023-01-31 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: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-31 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: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had a debt added to my credit that doesnt belong to me in fact this debt has violated the CFPB LAWS 15 U.S CODE SECTION 1681 A ( 3 ) restrictions on sharing medical debt.

15 u.S CODE 1692 e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
These companies reporting his false debt are also discriminating against me and our hurting my chances to move foward in purchasing a property for me and my children. 

By law any debt that is not 100 % accurate should be removed and i have requested that on several diffrent occasions!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
On XX/XX/XXXX I got a loan for {$500.00}. I've paid {$96.00} the first pay back XXXX week after I got loan, and {$66.00} every week since I got the loan. Today 's date is XX/XX/XXXX, I've done paid the {$500.00}. plus interest and they are saying I owe still owe them {$2500.00}. That's crazy!! I would've never signed up for that. It was a pay back of almost {$700.00}. is what I agreed to or thought I agreed to. I can not afford to continue to pay these amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/30, in response to an inquiry on XXXX XXXX  to see if I could qualify for a car loan, I received an email from XXXX XXXX from XXXX XXXX XXXX XXXX XXXX requesting more complete data. At XXXX I called the XXXX number on the email, but did unfortunately not make note of the representative I spoke with. I gave her all the info requested, but in the course of the conversation she mentioned pulling my credit. I shared that I was just coming off a bankruptcy and expressly asked her to put a note in the file that they were ONLY to proceed with the application if a hard pull on my credit was NOT required. She said she would do that. That evening I got an email from XXXX saying that my application was declined, and also got an email alert from Equifax that XXXX XXXX  had in fact performed a hard inquiry ( AGAINST MY INSTRUCTION by phone and therefore UNAUTHORIZED ). I have emailed XXXX back and requested they remove the inquiry from my Equifax record and advise me when complete. I have not received a reply. I have been advised by Equifax that only a request from XXXX XXXX  can get this inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I lost my job and do not have an income at the moment. I am still waiting for unemployment to start being paid and the amount will be minimal when it does. I called Honda Financial on XX/XX/2023 around XXXX  to see if they had any options for assistance such as a deferment. I was placed on a brief hold and then the rep, XXXX, advised that I was not eligible for anything because I didnt have an income and because I would have to pay late fees. I explained I am doing everything I can to get an income and need some assistance, if I had a job I would not need assistance. I have had my car for 2 years and have not received any assistance so I am not a repeat offender or anything. I pay my payments within the month they are due and I have not been 30 days past due at any time.the rep did not care and was rushing to get me off the phone. I asked for a supervisor and was told this is not a supervisor issue. I advised the rep it is my right to speak with a supervisor and he again did not care and was trying to hang up. He then placed me on hold for an excessive amount of time I assume to try and get me to hang up. He refused to provide me with any information on a hold policy, the name of his supervisor, and did not have any information on where I could file a complaint or send written correspondence for research. All I need is an extension or deferment and at this point I feel they want me to fall past due so they can repossess my car since they are clearly not interested in working with me or the well being of their customers. This is very predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
I have been eligible for XXXX XXXX XXXX XXXX since XX/XX/2022. Mohela and Dept of Education have not processed my application. It has been almost 6 months of waiting with no answers. Mohela stated they are unable to give me a timeframe for forgiveness due to Dept of Education dragging their feet. After serving in public service for 10 years, I have earned student loan forgiveness. I am stuck in administrative limbo and my loan servicer cant provide any information because of the Department of Education. When I call for updates, I am told to be patient and that no information can be provided regarding an actual discharge date. Something is seriously wrong with the XXXX process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: TX

Complaint narrative:
I am a victim of identity theft. My information has been stolen and used to open a fraudulent loan with XXXX XXXX XXXX on XX/XX/2022 for the amount of XXXX dollars. The branch that was used to open the fraudulent account is located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. They can also be reached at XXXX. Ive tried disputing with the credit bureau over four times and each time they reported as accurate information with out reaching out to the bank. The bank will not dispute my case until Credit Bureau reaches out to them or the police go to the them with my case. The police report ive made to resolve this is still pending and told that it can take up tp 90 days to be assigned someone to my case. This is absurd.

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 2023-01-31 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: TX

Complaint narrative:
I am a victim of identity theft. My information has been stolen and used to open a fraudulent loan with XXXX XXXX XXXX on XX/XX/2022 for the amount of XXXX dollars. The branch that was used to open the fraudulent account is located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. They can also be reached at XXXX. Ive tried disputing with the credit bureau over four times and each time they reported as accurate information with out reaching out to the bank. The bank will not dispute my case until Credit Bureau reaches out to them or the police go to the them with my case. The police report ive made to resolve this is still pending and told that it can take up tp 90 days to be assigned someone to my case. This is absurd.

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 2023-01-31 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: FL

Complaint narrative:
My loan servicer, Mohela, is supposed to accept Public Service Loan Forgiveness ( PSLF ) certifications. They state that they will take XXXX  days to process PSLF certifications. I submitted a certification on XX/XX/XXXX. That request was canceled without my consent by Mohela. I called and they acknowledged their error. It was re-submitted for processing on XX/XX/XXXX. It was then canceled again without my consent by Mohela. I called again and it was then re-submitted in XX/XX/XXXX. 

The resolution of this certification is now over XXXX  months delayed with no end in sight. In addition to unfairly cancelling PSLF certifications, Mohela never alerts me to it so I am left trying to find out on my own whether they are doing their job or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: NJ

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. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: CA

Complaint narrative:
Hello, In XX/XX/XXXX, I went to XXXX XXXX to get a printer. The representative informed me that I was unable to use my store card. They advised me to open a new account in order to be able to buy the printer when I questioned why, saying that it doesn't show them why. I actually did it. I just started considering purchasing my son 's duplex, and when I checked my credit report, I discovered a XXXX XXXX late payment from XX/XX/XXXX. I had XXXX open accounts with XXXX XXXX, and they informed me of this when I spoke with their cardmember services. The older account had a late payment on it that was over XXXX  days old. I also explained what had transpired when I entered the business, and they promised to file a complaint. On XX/XX/XXXX, I received a letter stating that they had determined the information on my credit report to be accurate. They didn't try to assist me in any way. By providing misleading information to the credit bureaus, XXXX XXXX has violated the Fair Credit Reporting Act, and now the XXXX XXXX XXXX have broken the law by providing inaccurate information on my credit report. I have no other option at this time except to file a complaint because my livelihood is currently being threatened by this issue.

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 2023-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DIRECMANAGEMENT, INC.
State: FL

Complaint narrative:
I have gotten an alert on my credit report that a collection was added. I looked at this collection and they say I owe XXXX. I do not owe any agency nor bank {$19000.00}. I did not receive any notice showing that I owe this debt. If this debt was purchased then I would like to see the full contract of this debt showing the amount that was purchased and what they paid for it. I would also like to see what fees are being attached to this. I never signed any contracts for this amount and If there were any contracts that was signed for this amount then I am considering this to be fraudulent.

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 2023-01-31 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity death. I found numerous accounts on my credit report. They were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.

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