vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have verified my 3 credit report and saw that i have 3 collection affecting my credit report, I have tried to verify because i have no knowlege of this account, this is not my account. I have not had such debts for it to be on my reports The Collection shows as follow on my credit reports 1 ) XXXX XXXX XXXX XXXX Account XXXX Shows Paid, Closed XXXX ) XXXX XXXX XXXX XXXX  - Account XXXX Shows Paid, Closed XXXX ) XXXX XXXX XXXX XXXX - Account XXXX Shows Paid, Closed Also My Credit Report As You Can See Show Item 2 And 3 As A Duplicated Affecting Seriously my rights to the fair credit act

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 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: DE

Complaint narrative:
Using the information provided by Cedars Business Services I was able to determine the following : -I purchased an item ( a porch chair ) on XXXX from a seller who, unbeknownst to me, ordered the item from XXXX in my name. 

I paid the XXXX seller via the XXXX payment process -The item was shipped to me. Unbeknownst to me, the item was shipped to me by XXXX. 

-The XXXX seller tried to convince XXXX that the item was damaged. The XXXX seller did not pay XXXX for the item. 

-I was a good-faith purchaser of the item.

-I communicated my findings to Cedars Business Services in writing multiple times.

-I offered to assist Cedars Business Services in any way I can so that they can pursue the XXXX seller. 

-Cedars Business Services has ignored all information I provided to them. They continue to demand payment from me, the good-faith purchaser.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Using the information provided by XXXX XXXX XXXX I was able to determine the following : -I purchased an item ( a porch chair ) on XXXX from a seller who, unbeknownst to me, ordered the item from Wayfair in my name. 

I paid the XXXX seller via the XXXX payment process -The item was shipped to me. Unbeknownst to me, the item was shipped to me by Wayfair. 

-The XXXX seller tried to convince Wayfair that the item was damaged. The XXXX seller did not pay Wayfair for the item. 

-I was a good-faith purchaser of the item. 

-I communicated my findings to XXXX XXXX XXXX in writing multiple times. 

-I offered to assist XXXX XXXX XXXX in any way I can so that they can pursue the XXXX seller. 

-XXXX XXXX XXXX has ignored all information I provided to them. They continue to demand payment from me, the good-faith purchaser.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested Experian to provide me the name of the vendor/company it contacted to verify an inaccurate bankruptcy record on my credit file. Experian has refused this request which prevents me from being able to dispute the inaccurate information. Experian has caused hardship in my life as I am unable to obtain credit as result of this inaccurate record.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting 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:
Account name : XXXX XXXX XXXX Account number : XXXX I was looking at my credit report today and I notice this company on there reporting this debt can you please verify this information I am not sure what this is exactly and some of the details are not matching up I have no knowledge of opening and account on XX/XX/23. If you cant verify this account please delete this inaccurate account from my credit report.

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 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
After checking my credit, I noticed that there were 2 accounts in collections from ALDOUS- that do not belong to me. Both were opened on XX/XX/2023. I reached out the the phone number listed on the debt file and tried to gain insight on this account. Prior to reaching out to them, I reached out to XXXX XXXX ( original creditor ) asking what information was used to create these accounts. They verified that they DO NOT use social security numbers to open accounts. Only phone number, payment ( cash or card ) and email address. When I contacted ALDOUS, I first spoke with XXXX and provided this information to him. However, he hung on me. I called back asked the a guy to transfer me back to XXXX, he too, hung up on me. I called back and I spoke with XXXX, asking her to transfer me to a XXXX. Finally, I spoke with a rude, dismissive XXXX named XXXX. I explained to her the situation and she immediately let me know that this was an attempt to collect a debt, and mentioned that I needed to contact a lawyer and have him/her reach out to them in writing. She then hung up without ever giving me the time to further explain what was going on. According to the FCRA guidelines, ALDOUS is in violation on many accounts for reporting this debt on my credit, restricting communication and continuing to report this debt after I've informed them that this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, I opened a personal loan with bank of the west to purchase a boat. That loan was sold to BMO when bank of the west was purchased.

Prior to the shift to BMO, I made a XXXX payment to bank of the west to principal ONLY. When BMO took the loan over they logged that payment as a pre-payment, which it was not. It was just a principal payment. 

The last XXXX months Ive been calling and calling just so they can have my account corrected and properly generating monthly statements so I can just pay down my loan. NOBODY, fixes it. My last payment which I made just to keep up as BMO is not requesting payment was wrongfully charged interest based on the length of the loan. I need that corrected, my XXXX payment to be properly applied so my account generates the correct interest/principal calculation based on how much I have paid down, and the world can be at peace. 

BMO is an absolute disaster so this has been my only chance to get through to someone who can fix something so simple. I just want my loan fixed so I can pay it off. Do not bank or do loans with BMO.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
last month i check my credit repor and noticed 4 accounts thats not mine i never applied for i dispute these accounts with the companie and they refused to removed companies listed below 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 explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I am being charged a debt that is not mine. I was playing for XXXX XXXX and we were using a gym membership account. My Social Security was never provided. My address was never provided. I do not know how they got my information to assign this bill to me. XXXX XXXX was a professional team in Arizona, and it is currently closed down due to legal issues. They were giving players illegal green cards for them to participate in the professional league. The account that was opened with XXXX XXXX  was arranged by the club. The club was responsible for its payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX section XXXX o XXXX states I have the right to privacy ( XXXX XXXX XXXX ( section XXXX XXXX XXXX a section XXXX ) it states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. 

I WANT ALL THE BELOW ACCOUNTS TO HAVE ALL LATE PAYMENTS REMOVED ASAP. This is illegal and a violation of credit reporting act. I will be suing the credit reporting bureaus for falsely reporting and causing me to be homeless for over a year. 

All inquires not tied to an open account need to be removed asap. 

Late payments needed to be removed ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
The Bank of America inquiry placed on my XXXX credit report needs to be removed. I fit not want my credit to be ran in the first placed and I was not aware of what was going on. Nor did I get approved for anything. This inquiry is from XX/XX/2023. Please help remove this off my credit report asap.

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 2023-11-09 00:00:00
Product: Credit reporting 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I often monitor my credit report and noticed today that there are 2 inquiries on my credit report that I did not initiate so I called both credit card companies one is investigating and the other I am on the phone to make them aware that this is fraudulent activity.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: TX

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
Good Morning, Request for Deletion of XXXX I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Velocity investments XXXX and XXXX & XXXX XXXX XXXX. 

As outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My employer is incorrect on my experian, XXXX and XXXX report. Please update to XXXX. XXXX has only ever been my employer.

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 2023-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
there are things on my account that is inaccurate and would like it to be removed these things are stopping me from getting banks which are holding me from starting up my business the right way.

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 2023-11-09 00:00:00
Product: Credit reporting 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:
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 XXXX  days.

See the documents attached.

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 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I did not received the most recent billing statement to pay the monthly mortgage. The bank terminating my banking relationship and also terminated my online access to view the mortgage. The mortgage is not in default, but the bank is creating a hardship and unduly burdensome conditions in violation of : 1. Equal Credit Opportunity Act ( ECOA ) : ECOA prohibits lenders from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or other protected characteristics. Denying loan payment access based on these factors could be considered a violation. 

2. Fair Lending Laws : Various fair lending laws at both federal and state levels prohibit discriminatory lending practices, including actions that unfairly target certain borrowers based on protected characteristics.

3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The Consumer Financial Protection Bureau ( CFPB ) may investigate and take action against financial institutions engaging in unfair, deceptive, or abusive acts or practices. 

4. Contractual Violations : If the denial of loan payment access goes against the terms and conditions outlined in the loan agreement, it may constitute a breach of contract.

5. State Consumer Protection Laws : State-specific consumer protection laws can also come into play and vary depending on your location.

Company response to consumer: Closed with explanation