vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: 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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-05-11 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
A loan for a vehicle has appeared on my credit. The company name is United Auto Credit Co. they are located XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX. 
I have contacted the funding department at the number listed. This company does not have my name, social security number or address on file. But XXXX has managed to changed my personal information on my credit report as well added this account to it. I again reached out to United Auto Credit and spoke to a lady XXXX XXXX XXXX number above. She managed to help me when I gave her the address that XXXX had updated on my credit report ( which I don't know how they did that with out documentation ). When she pulled up the account under the address of XXXX XXXX XXXX XXXX, FL XXXX. She realized that my information was not in that account. United Auto Credit has sent a request to XXXX stating this account is not mine. But XXXX still yet has not removed this account from my credit report. I have sent XXXX documentation of my identity. I have also requested them to send me documents of what they have on this loan. Again no response. I am emotionally distress with this situation. I am needing help to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
While looking at my credit reports I have noticed my " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has a discrepancy in the " Date of Last Activity '' section of the listing. Transunion is reporting a date of XXXX. '' XXXX is reporting " Date of Last Activity '' as XXXX and XXXX is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' Transunion is reporting * {$13000.00} XXXX * {$0.00} and XXXX XXXX. " PAYMENT STATUS '' Transunion is reporting LATE XXXX DAYS. XXXX is reporting CURRENT and XXXX is reporting LATE 120 DAYS. " LAST PAYMENT '' Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX " PAST DUE AMOUNT '' Transunion is reporting {$3000.00} XXXX is reporting {$0.00} and XXXX is reporting {$3400.00} XXXX  ( XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX FST XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX  ( ACCOUNT NUMBER : XXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX  ( XXXX XXXX XXXX XXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of 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 non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is a collection account on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX. XXXX XXXX XXXX is reporting that the account is still open, and reporting that it was opened in XXXX of XXXX. Both of these are inaccurate information as that account has been closed since XXXX. They are still making reports to the account, latest report was XX/XX/XXXX for an account thats been closed for almost XXXX years. I submitted MULTIPLE disputes to XXXX, Equifax and XXXX and stated that i NEVER had an account with XXXX XXXXXXXX from XXXX of XXXX. XXXX deleted the account from my credit report. Equifax and XXXX did not. The FCRA states that information on a credit report has to be reporting accurately or it has to be deleted. XXXX and Equifax has refused to delete. If this account is not taken off of my credit report I will file a XXXX  against XXXX, Equifax and XXXX XXXX. XXXX XXXX has MULTIPLE reviews about them re-aging accounts so they dont fall off of your credit report. This is illegal and bad business practice. Equifax and XXXX have a legal requirement to remove falsely reporting information and have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX someone opened a credit card in my name without my consent and also been applying for credit in my name without my consent heres a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seed I would like this info removed off my credit report I am I victim of identity theft and I have reported this problem with all 3 credit bureaus and also my phone and wallet was stolen thats how someone obtained my information and used it without my permission!

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This complaint is a follow-up to complaint number XXXX. I just went to my account and was informed that I needed to call their is a fraud alert on my account. What happened was I was trying to make a payment to a company in XXXX, XXXX XXXX, and every time I tried it was declined. I called Citi and they couldn't figure out what was going on. They would try to do something on their end and then asked me to try again and it would get declined again and put my account into fraud mode again. This went on for hours and they could not fix the problem and then basically said they don't know how to fix it. This morning, XX/XX/23, I called Citi because of the fraud alert. They said they needed to verify my information. I answered all the questions and then they wanted a telephone number of a relative with my last name to call them to verify my identity - that is totally unacceptable. I said that I would not give them a number a relative with my last name. They said the would send me a letter in the mail to in 5-7 days and that will tell me what to do. I opened this account 4 days ago. This has been by far the worst customer service I have ever experienced. I have decided to close all of my accounts with Citi.

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 2023-05-11 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: OH

Complaint narrative:
i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts i am talking about are listed below : Delete all accounts immediately : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received a bill from a LVNV Funding LLC ( XXXX XXXX XXXXXXXX ) for a bill they say I owe. All my bills and loans are always payed in a timely manner. They say I owe an amount of {$1300.00}. I never received a bill from the company. The only information was this bill from this funding company. When I checked with XXXX this loan is listed as not being paid from LVNV. I never received a bill from XXXX XXXX  XXXX XXXX  When I called XXXX bank they had no information at all to verify this loan, and the same with XXXXl. They are ruining my credit with with a debt that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Applied for the American Express XXXX card because of all the advertised benefits that are included. However, there are specific terms to each benefit that must be met to even qualify. For example, Amex offers a {$50.00} credit on Sale Fifth purchase only if you enroll in the benefit and if you make a purchase with the Amex card. However, you do not qualify for the credit if you make the purchase with your Amex card using XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX ( Original Creditor : XXXX XXXX IN ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash app stated I have pending transactions and on my end theres nothing pending XXXX trying to close the account and they wont allow it They have also given me a history sheet for the merchant XXXX  which resulted in multiple transactions of the same amount as voids and charges As I checked my financial statement none of these transactions existed on the statement But when I inquired as to why my money was gone they sent a history sheet for XXXX  transactions. This is fraud to my knowledge I was charged twice and they are claiming that I wasnt when I clearly was. 

Im trying to close the account but they wont allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: WA

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I initially applied for PSLF during the Waiver period last year. I then updated my non-profit employer from XXXX. I had an issue where my employer ( a non-profit public hospital ), was being flagged as a for profit. This was corrected in XXXX. 

During that same month, my Waiver credits were applied to my account, giving me 55 PSLF payment credits. 

I have waited for updates on my account, as I watch my colleagues seem to breeze through the process, with a handful already receiving forgiveness. On XX/XX/XXXX, I called at XXXX. The representative was quite thorough and found that 28 payment credits were missing for : XXXX - XXXX XXXX - XX/XX/XXXX I was a public school teacher at the time - PSLF certification was submitted and is attached to show what I submitted to account for these date ranges. The representative submitted a review on my behalf to reconcile those missing 28 payment credits. She told me that I need to wait 14 days for feedback I was anxious and called again on XX/XX/XXXX. It looked like nothing had happened yet following the request for review. On this day, this representative contacted her Supervisor, who tried figuring out why waiver credits were missing for date ranges listed above. The Supervisor also saw no reason for this and submitted yet another Review to try and reconcile the missing payments. 

I believe that whomever counted the payment credits, may have mistakenly only counted one of the two separate occasions I worked for XXXX XXXX XXXX XXXX. I worked there twice. First from XX/XX/XXXX to XX/XX/XXXX, and then I went back and worked from XX/XX/XXXX to XX/XX/XXXX. I have attached both work certifications to show what I submitted to Mohela. 

I feel that I continue to wait - call - told to wait some more. This has been a cycle. I would appreciate if the waiver credit for my 2nd time as a teacher were counted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
This XX/XX/XXXX I saw a negative collection report on my XXXX Credit report from a XXXX XXXX XXXX related to a Utility account with XXXX XXXX. 

I have never done business with these companies. After tracking down XXXX XXXX, I spoke to a representative on XXXX that provided me an account number and service address in XXXXXXXX XXXX 

I live in XXXX XXXX where Ive owned my home since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I AM DISPUTINGCCS COLLECTIONS {$250.00} ORIGINAL CREDITOR XXXX. AN INSURANCE POLICY XXXX XXXX XXXX XXXX FOR A XXXX XXXX WAS OPEN AS AN IDENTITY FRAUD WITH MY INFO WITH XXXX XXXX. IN XXXX SOMEONE STOLE MY IDENTIY AND PURCHASE WITH XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX. EVERY THING WAS RESULT WITH XXXX XXXX XXXX XXXX AND REMOVED FROM MY CREDIT REPORT BUT I NEVER NEW THEY OPEN AN ISURANCE POLICY WITH THAT CAR.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the CFPB. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: CA

Complaint narrative:
XXXX XXXX XXXXk someone opened a credit card in my name without my consent and also been applying for credit in my name without my consent heres a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I would like this info removed off my credit report I am I victim of identity theft and I have reported this problem with all 3 credit bureaus and also my phone and wallet was stolen thats how someone obtained my information and used it without my permission!

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 2023-05-11 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:
XXXX XXXX XXXX someone opened a credit card in my name without my consent and also been applying for credit in my name without my consent heres a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like this info removed off my credit report I am I victim of identity theft and I have reported this problem with all 3 credit bureaus and also my phone and wallet was stolen thats how someone obtained my information and used it without my permission!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: NJ

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act Affirm Inc Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: DISCOVER BANK
State: NY

Complaint narrative:
XXXX reports account incorrectly. Account was opened fraudulently.

Company response to consumer: Closed with explanation