vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I received a letter from this debt collection company attempting to collect on a debt I do not owe. 

They claim to be collection on behalf of the XXXX but I have never had any accounts with the XXXX. Since I registered my car in Texas I have had a XXXX XXXX ( their competitor ) and have been in good standing with them the entire time my car has been registered. 

The license plate they have listed on the collection letter is not mine and they can't even spell my name correctly. 

I requested they validated the debt in accordance with the FDCPA and a few days later I received their " validation '' which raises more issues than their original letter. 

The statements from the XXXX they provided have different amounts than they claimed I owed in their initial letter. 

The address listed on the statements is not mine nor the address where they sent the initial letter. 

Once again the license plate listed is not mine. 

It is quite clear to me the ignored my initial response when I stated the license plate number listed on their bogus letter is not mine since their " validation '' shows the same plate number. 

At first I thought these errors were just mistakes but it is now obvious they are using deceptive collection practices in order to scam me out of money. This is a rather egregious violation of UDAAP and FDCPA. 

If they are doing it to me they are surely doing it to others. 

How much money have they made by sending fake collection letters without bothering to do some basic due diligence? 

The questions they need to answer are : 1.What steps did they take to confirm the information before violating my rights? 
2. Why are the amounts listed on their " validation '' different than their original letter? did they add extra fees before validating the charges in violation of FDCPA? 
3. With me advising them in my response and request for validation that the license plate listed is not mine why did their " validation '' list the same plate number? 
4. How do they plan on compensating me for violating my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: GA

Complaint narrative:
I have been checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: FL

Complaint narrative:
I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of identity thief. I have asked that several times to investigate this item. The item listed below is the account that is not mines : XXXX XXXX {$140.00}

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 2020-02-05 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: AR

Complaint narrative:
I want to refinance my house, but mortgage banker informed me that my had some negative items on my credit report. I need theses items because they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: GA

Complaint narrative:
I have been checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this 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 2020-02-05 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: GA

Complaint narrative:
I have been checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this 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 non-monetary relief
Consumer complaint received 2020-02-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Card has not been updated since XX/XX/2019 this account has been paid off since XX/XX/2019 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 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I previously disputed this collection account to Credit Bureaus as I am not familiar with this {$1200.00} debt with IC System but they continued to report the account as accurate. That is the reason why I filed a complaint with CFPB. I have full medical coverage reasons why this account should not be showing on my credit report. I am not obligated to pay for this considering this business does not have a contract with me or provide me with any service.

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 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I closed on a mortgage with Ameris bank in XX/XX/2019. I have no access to my transactions online or via telephone. I received notice that Ameris did not pay my City of XXXX taxes for 2019. Also, I have not received a form XXXX for 2019 or any statement of my account. I have tried calling, but they can't find my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: FL

Complaint narrative:
I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of identity thief. I have asked that several times to investigate this item. The item listed below is the account that is not mines : XXXX XXXX {$140.00}

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 2020-02-05 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: AR

Complaint narrative:
I want to refinance my house, but mortgage banker informed me that my had some negative items on my credit report. I need theses items because they do not belong 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 2020-02-05 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: AR

Complaint narrative:
I want to refinance my house, but mortgage banker informed me that my had some negative items on my credit report. I need theses items because they do not belong 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 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
I contacted Discover Bank by phone on XX/XX/2020 and requested that my two bank accounts with Discover Bank be closed because I cant add my debit cards to XXXX XXXX and every time I pay my Discover credit card bill using my Discover bank accounts my available credit do not increase by the amount of my payments until I call Discover and request that it does. But the Discover Banking Specialist claimed she didnt know how to close my accounts and placed me on hold and then disconnected the call. No one from Discover Bank called me back and every time I call the bank back my calls are placed in a call queue until I realize my calls are not going to be answered and hang up. Discover Bank needs to be put under investigation by the CFPB or the FBI for their business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security has been already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Card has not been updated since XX/XX/2019 this account has been paid off since XX/XX/2019 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 2020-02-05 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX has not been updated since XX/XX/2019 this account has been paid off since XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have credit inquiries on my report. I previously filed a police report and FTC report for Identify Theft and these inquiries are a result of the identity theft. I do not know what these inquiries are for and I did not authorize them. Here is a list of unauthorized inquires. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Subject : Criminal Complaint, Estate Money Theft {$400000.00} Deposition was obtained XX/XX/XXXX at XXXX XXXX XXXX XXXX FL.. 

XXXX XXXX was appointed by XXXX XXXX ( my father ) as executor of his estate via will. XXXX XXXX closed the estate account in Georgia and opened up an estate account in the state of Fl. Wells Fargo XXXX, FL. I requested an annual accounting on several occasions without success. Hired Lawyer. XXXX XXXX estate bank records have been obtained by subpoena. 
XXXX XXXX bank records have been obtained via subpoena. Wells Fargo XXXX, FL.. 

Approximately {$400.00}, XXXX is missing from The XXXX XXXX Estate. XXXX XXXX had 3 seperate accounts with Well 's Fargo XXXX FL.. Transactions clearly show that money from XXXX XXXX Estate was transferred to one of the three XXXX accounts over a period of time in the state of FL. XXXX has been removed as executor. I have been appointed executor by the court. 

XXXX XXXX has yet to provide an accounting and has not been cooperative with this process that began on XX/XX/XXXX. Contempt of court. 

My accountants have created a P & L in regards to XXXX XXXX Estate. 

We are still unaware of where money is or what it was spent on. This is because she refuses to cooperate. 

Any assistance would be greatly appreciated.

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 2020-02-05 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: PA

Complaint narrative:
Experian has 2 address on ADDRESSES page 1of 14 XX/XX/19 XXXX XXXX XXXX XXXX is not a complete address unit missing number -- XXXX is not a complete address by Rxperian

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 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
I contacted this agency regarding a collection account. I was advised the balance is lower than stated on my credit report. I verified information to send a debt validation letter as well as information about the debt owed. I was treated very rudely by the CSR. I asked when the last attempt to contact me by phone or mail was and the agent refused to answer saying that I made him uncomfortable. I was not angry with the agent. I was asking questions about the difference in balance and was going to ask what the options were for the account but was told I was asking too many questions and just sent in documents and I was dealing into private information when I was not, I offered to verify any info needed and that I am well trained in Hipaa, CPNI and proprietary information, and he ignored my requests.

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 2020-02-05 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security has been already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my 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 2020-02-05 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security has been already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my 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 non-monetary relief
Consumer complaint received 2020-02-05 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: PA

Complaint narrative:
Experian keeps removing current Employers on my credit file as XXXX XXXX in which is on some reports. Experian has issues with correct information. on reports going back over a year XXXX XXXX is not showing on the credit report I work here since 2015

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have credit inquiries on my report. I previously filed a police report and FTC report for Identify Theft and these inquiries are a result of the identity theft. I do not know what these inquiries are for and I did not authorize them. Here is a list of unauthorized inquires. 
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 explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have credit inquiries on my report. I previously filed a police report and FTC report for Identify Theft and these inquiries are a result of the identity theft. I do not know what these inquiries are for and I did not authorize them. Here is a list of unauthorized inquires. 
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 2020-02-05 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: AR

Complaint narrative:
I decided to get my credit report pulled because every time I kept applying for credit cards I would get denied. To the best of my knowledge I have always paid my bills on time. There are several items on my report that need to be removed. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$240.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX TX XXXX {$460.00} XXXX XXXX TX XXXX {$240.00} XXXX   XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX XXXX {$460.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX   TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: New Century Auto Sales, Inc.
State: MI

Complaint narrative:
On XX/XX/2020. I needed to purchase another vehicle. I was referred to Right Way Auto in XXXX Michigan. 

I signed a form to have a credit check done. When I went to get financing, within 5 minutes 10 hard pull inquiries were put on my credit report. 

I contacted the manager on duty a few days later and was told by him, " My finance manager was looking for the best deal ''. A good finance manager would have known what each of the 10 finance companies he worked with and what they required. 

I called Rightway and they told me there is no way to remove the inquires. Now my score has dropped 12 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/XXXX I purchased XXXX merchandise and returned the items on tracking number XXXX. I provided PayPal with XXXX and email confirmation from XXXX confirming receipt and credit issuance on XX/XX/XXXX. PayPal reverse the merchant credit provided to my account on XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: DC

Complaint narrative:
I recently got a notification on my credit report about a derogatory account being opened. " ANFI '' opened an account attempting to collect a debt that is not mine, nor did I receive any correspondence of anything being owed.

Company response to consumer: Closed with explanation