vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: GA

Complaint narrative:
I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT 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 I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: NC

Complaint narrative:
15 usc 1681 section 602 states I have a right to privacy.

15 usc 1682 section 604 A section 2 : it also states a consumer can not furnish an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Accscient, LLC
State: WA

Complaint narrative:
A debt collector ( XXXX XXXX XXXX XXXX XXXX XXXX ) called me around the first week of XXXX, XXXX, stating I owed a debt for a large amount of money {$21000.00} roughly. They said if I didnt pay a substantial amount, to which I said I couldnt afford, that they would garnish my wages with my employer. I informed them that the debt was charged off by a previous debt collector, and that Id been penalized by the IRS for canceled debt that I didnt claim on my XXXX taxes. I also said that I was well within my rights to no longer be in danger of being sued for this debt. I stated that I would need proof of the debts authenticity, and I would respond with what I would do next. 

I received a letter about a week later, and in the letter it said I had only 14 days to respond or they would take further action. I understand that legally I have 30 days to respond. Unfortunately, just last week, I got a letter from my payroll department, stating that a judgment for wage garnishment had already been issued. It also said I was served with the proper paperwork, on XX/XX/XXXX, but I was never served with anything. Furthermore, I was at another location when the company says they served me. 

I have still not received anything but a letter from my employer saying that wage garnishment has already gone into effect. Im going to respond within a 60 day timeframe, but the debt has surpassed the statute of limitations in the state of Washington where I live. This debt collector has bought old/expired debt, and is attempting to make money off of it.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Care Credit Synchrony Bank, I applied and was accepted for 0 % interest in XXXX. I already had an account for years but they closed it and never notified me. The only reason I applied was to get my account back and a 0 % offer. 

I was approved and used the card and was charged 14.9 %!!! Synchrony Bank would not help me, claimed it was the providers fault. The provider said they used 0 % and told me Synchrony Bank would not help at all and correct the huge error that was not the providers or my fault.

I would have never applied or used any card that was 14.9 %. Never. 

Then they made my payment due right away and didn't notify me. Reported a late payment and charged interest multiple times. I will never use Care Credit again. This hard inquiry cost me lowered points on my credit score that I work hard for!! I feel like this was a total scam. 

I want the card and interest rate rescinded and my credit score restored to what it was prior to applying. I had a drop in like XXXX points!!! Thank you.

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 2023-03-10 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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 — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: LA

Complaint narrative:
JEFFERSON CAPITAL SYSTEM has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: IN

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit WEBBBNK/FINGERHUT XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: I.C. System, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2023-03-10 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: IN

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} 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 2023-03-10 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
In Accordance with The Fair Credit Reporting Act XXXX  Accounts # XXXX ; # XXXX and XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an 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 a late for 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 monetary relief
Consumer complaint received 2023-03-10 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: PA

Complaint narrative:
The information I have provided therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the 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
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
The Easternaccos debt collector responded to the CFPB complaint. Complaint number # XXXX states that they place all phone calls during the allowed hours the CFPB gives. Pursuant 1692b ( 2 ) states that you are not allowed to speak directly or indirectly with a consumer without their consent. Also, it is an infringement on a consumers right to privacy. When you call and I Answer, you ask to speak with the consumer. According to 1692b ( 2 ), youre not allowed to speak directly or indirectly with a consumer. To go deep into the context of what you said about calling is permitted. 
According to 15 USC 1692a ( 2 ), communication means conveying information regarding a debt directly or indirectly to any person in any medium. As per the literal interpretation, any medium includes any oral, written, electronic, or other medium. 
Therefore, furnishing the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per the fair debt collection practices act ( FDCPA ) Easternaccos Debt collector stated that there was no violation when the calls were placed. 

Pursuant to 15 USC 1692a ( 2 ) clearly states that you have violated my rights. I will attach a copy of the FCRA STATES YOU FAILED TO SEND me the validation I requested along with the cease and desist letter I mailed to you using USPS for the alleged debt that is furnished on my credit report. How do I know you received all the documents that were sent to you because you responded to the CFPB complaint and stated that you received the letter on XX/XX/2023. 

I submitted a validation letter along with a cease and desist letter on XX/XX/2023 and Easternaccos debt collector failed to acknowledge or submitted what the validation requested. That is a violation of my right under ( FDCPA ). I am asking for these invalidated debts and unverified debts to be removed from my consumer credit report immediately and effectively. 

Down below you will find a copy of all documents

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Longbridge Financial, LLC
State: VT

Complaint narrative:
We started a reverse mortgage application last fall with XXXX XXXX. We have gone thru all the processes for a reverse mortgage and started running into problems with them in XXXX. We own 2 parcels in XXXX VT on separate deeds. The first is our house lot, which we purchased in XXXX, and on which we currently have a Heloc. The second lot we purchased in XXXX from a neighbor, vacant land contiguous to our house lot. Vt State Statute states that contiguous parcels are billed on one tax bill. We had the appraisal for the reverse mortgage done on the house lot only. Since we not only have a separate deed for that parcel but also have a survey for that parcel, the appraiser had no problems doing the appraisal, which we paid for. The other parcel is in a realtor 's hands for sale of at least a portion of it. 
Latest problem with XXXX is that they say the FHA requires 2 separate tax bills, a violation of VT Title 24 Chapter 051 Subchapter 001 and Title 32 Chapter 129 Subchapter 004 ( Grand List of Town ), which Titles combined state that contiguous parcels go on one tax bill. We have sent XXXX copies of the separate deeds and the Statutes. 
I have talked with XXXX XXXX in the XXXX FHA XXXX, which controls the Vermont FHA, who confirmed that the FHA does not require tax bill info, that is something the lender may want. XXXX still confirms it is an FHA requirement. I gave them XXXX 's name and # to call, which they would not do. Their decision TODAY was that they need 2 tax bills, which changes the cost of our property taxes because each parcel would then have a higher tax rate for the 1st 2 acres EACH and is a violation of Vt Titles 24 and 32. So far this application has taken 1/2 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I purchased some concert tickets from this girl on XXXX. She insured me that it wouldnt be a scam that I could send her half at first and then she would initiate ticket transfer and then I would pay her the other half a couple days later I decided I wanted to buy two more so we did the transaction again. I tried to figure out how to get the tickets to my house by contacting the ticket holder and they said that she had to initiate a three-way call. 
I contacted her to let her know that and she said how do I do that and then that was it she never responded back to me after that and I continue to message her and got no response. After that, I started digging into her XXXX profile and saw that she was selling tickets all over the United States. She sent me a picture of a fake ID and a fake address. I contacted somebody that had been leaving angry faces on all of her profile pictures and she said that she got scammed as well but she got her money back. she reached out to somebody else that also got scammed by this individual so now I am working to try to get my money back but this person needs to be stopped. 
zelle has since told me that they wont be refunding me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: IL

Complaint narrative:
You all reported a late payment Credit transactions are exempt from being reported to damage consumers. 

See XXXX XXXX XXXX XXXX payments are a violation of this us law and this is subject to penalties. Every company thay reports to the credit bureaus have to follow the Us consumer laws. Any type of credit transactions are excluded from being reported to the bureaus This is an {$1000.00} violation charge for this.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I am trying to dispute some address that are on my credit report. I never lived at this address and the information is not correct. I reach out to the collection agency regarding this account and was advise this information is unable to be deleted.

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 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner XX/XX/2021 {$3100.00} I have called and asked this company to provide me proof that I opened this alleged account that was opened under a different company name while I was in bankruptcy and they refuse to provide me any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX and XXXX XXXX, The Collection company by the name of Collections USA, reported a debt by XXXX XXXX XXXX XXXX on my credit report. When the leasing company, XXXXXXXX XXXX XXXX XXXX  was contacted they couldn't verify my tenancy, and they weren't able to find my former information. The collection agency is falsely identifying themselves as being hired by XXXX XXXX XXXX XXXX and states they received my personal information from them. The former leasing company I leased with is no longer managing that property and is trying to collect a debt to that property they no longer manage. I don't owe past rent, as well as, for the timeframe they claim, because I was residing in another state. Collections USA misrepresent the leasing company, XXXXXXXX XXXX XXXX XXXX, in XXXX XXXX Missouri. XXXX XXXX XXXX XXXXXXXX has no information on me that could have been transferred to Collections USA, as they claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: GA

Complaint narrative:
This is not my debt and the company has not proved otherwise or provided any information to me.

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 2023-03-10 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: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
I am trying to withdraw money from my account at AXOS BANK.to my XXXX I made a withdrawal of {$7000.00} on XX/XX/ it has been over 2 weeks. I have still yet to receive my transfer. 

On XX/XX/XXXX I contacted them. They said they will forward my request. 

XX/XX/XXXX. They said it will take 2 business days XX/XX/XXXX. I have roughly {$6000.00} more somehow in my AXOS account, seems fraudulent. That is not what I asked for. I want to move money out of there and get as far away from this bank as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Conn's, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation