vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 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: IL

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 Is the same as it is under 15 USC 1620 ( 1 ) Which is The term credit card means any card plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. Notice Congress said any card. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) Any report containing information solleey as the transactions or experiences between the consumer and the person making the report should be excluded. Person is defined in 15 USC 1681a ( b ) Any individual partnership corporation trust etc. I am the consumer and XXXX XXXX is the corporation in this case Which puts you in violation reporting late payments. You are also using criminal means to harm my consumer reputation by reporting late payments on these accounts violation 15 USC 1692d ( 1 ). I am demanding that you remove the late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my consumer report immediately as it is is a violation of my rights as a federally protected consumer under title 15 Chapter 41 and a violation to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also pursuant 15 USC 1640 I demand that you pay the attached invoice for violating my federally protected consumer rights and damages caused by check and also labeled as exhibit a is proof of the violations. Also attached is the the invoice along with the certified mail receipt that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: Source Receivables Management LLC
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX ... SOURCE RECVB ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I received a letter from National Enterprise Systems informing me that they were attempting to collect an alleged debt in the amount of XXXX. The letter states that the current creditor is XXXX XXXX  from XXXX XXXX XXXX. I have never lived in XXXX nor attending a school in XXXX. I have sent National Enterprise Systems a dispute via certified mail requesting validity of the alleged debt along with a demand to cease and desist all communication and collection activities. Please see attachments.

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 2021-07-22 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 Revenue Corporation
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXUNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1200.00}, {$0.00}, {$9200.00}, {$2600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: Credit Plus Inc
State: LA

Complaint narrative:
I am not familiar with the company or agency Credit Plus that submitted inquiries on all 3 of my credit reports without my consent. I did not apply for anything with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: DC

Complaint narrative:
I purchased a Ford XXXX  from XXXX XXXX in Maryland. The loan was opened XX/XX/XXXX. Last four of the account XXXX. On XX/XX/XXXX I was diagnosed as XXXX  XXXX  by a Dr XXXX and put on XXXX. I didnt know what to do about my car because the doctor said I couldnt drive anymore. I reached out to Ford motor credit. I spoke with a Ford motor credit agent who said I could turn the car back in to Ford. Ford motor credit explained that they would send my car to an auction where it would be sold off. If the car sold for more than was owed on my loan. Ford would pay the car off and send me a check for the amount over what I owed. So agreed that this was the best solution since I couldnt drive anymore. I asked Ford motor credit if this would be a repossession my credit. I was told no. I was self surrender in the car back to Ford motor credit. I made arrangement for Ford to come get the car. I was worried that the DC government would ticket the car since the registration was up. I asked Ford motor credit if the could pick the car up from my cousins house Maryland. They had a drive way and the car would not get ticketed. Ford said okay and I supplied them with her address and left the key with my cousin and her husband. They took their sweet time but finally picked up the car. The car sold at auction and I received a check for the difference. Fast forward to the present and Im looking at me credit report and XXXX  is showing derogatory on the Ford motor credit loan. They are showing a repossession on the vehicle I called Ford motor credit about. And I was told it would not be a repossession because I contact Ford motor credit and did a self surrender of the car. Which got paid off needless to say now its on my credit report and I want it if. Im not sure whose not telling the truth here Ford Motor credit or XXXX. Left them figure it out but it out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
In XX/XX/XXXX, I had surgery at XXXX XXXX, My insurance paid all except {$5300.00}, which is now {$5300.00} because of a {$54.00} payment I made to the XXXX XXXX website in XX/XX/XXXX. In XX/XX/XXXX, I went onto the XXXX website to apply for financial assistance, and/or payment arrangements, I also updated my mailing address. After applying for financial assistance, I didn't hear anything back from XXXX XXXX, in which I thought I was approved for financial assistance. Almost two years later, I look at my credit report and see the Aargon collection agency, whom I never heard anything from, collecting the past due amount from XXXX XXXX and XXXX XXXX XXXX. After not being able to resolve this issue over the phone with XXXX XXXX ( XXXX ) billing, I drove to the XXXX  facility hoping XXXX  and I could come to a better understanding of why I wasn't receiving mail from them and to resolve this issue with this debt on my credit report. XXXX XXXX XXXX, I couldn't understand why I hadn't heard anything before putting this collection on my credit. To my understanding, XXXX didn't update my address, plus I asked Aargon to validate my debt, but instead was sent a copy of my medical records, which to my knowledge is a violation of HIPPA regulations. I never signed a HIPPA form authorizing Aargon to have access to this information

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 2021-07-22 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: VA

Complaint narrative:
In XX/XX/XXXX, I gave 60 days notice to XXXX XXXX at XXXXXXXX XXXX XXXX that I would not be renewing my lease upon expiration on XX/XX/XXXX. I moved to my new house in XX/XX/XXXX, and continued to pay rent in my vacant apartment through lease expiration. A scheduled walkthrough was performed on XX/XX/XXXX with the maintenance manager, and the only damage he noted was the replacement of the stove 's drip pans for {$15.00}. I signed paperwork to be billed the {$59.00} carpet cleaning fee and turned in my keys. In XX/XX/XXXX, the property manager sent me a nondescript photo of carpet padding with a wet stain and an invoice showing my deposit was withheld and a {$280.00} charge towards the cost for replacing all of the carpet in a XXXX XXXX sq ft apartment. Since that time, I have disputed my deposit being wrongfully withheld with management and XXXX. They have chosen to not resolve this issue, therefore, I advised them that I would be taking legal action. I received a notice from XXXX  that my credit score dropped 30 points. Hunter Warfield, a collection agency in Florida who has never contacted me, or made any attempt to collect, or given me an opportunity to dispute such debt, has reported this to the credit bureau and ruined my credit, even though I am the one owed money. I have photos and videos that shows the apartment was left in pristine condition. Notably, I was never charged the {$15.00} for the drip pans, although my photos show they were tarnished and unusable for a new tenant. This was an act of retaliation and in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Debt collector reporting inaccurate information on my credit report. I never received a debt validation notice and no one never contact me regarding this debt. 

*** Debt Collectors are required by Fair Debt Collection Practices Act to send consumer a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. 

**Debt collector is violating Fair Debt Collect Practices. 

Further more this payment was made on-time with the original creditor, see attached confirmation receipt for your reference. debt collector claim is fraudulent and inaccurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
On XX/XX/2021 my credit card and phone were stolen by an unknown person. They charged {$410.00} at a XXXX in my town. When I realized midday that my card and phone were missing I immediately closed all my credit cards and disputed my transaction/ As well as filing a police report with the XXXX Sheriff office , whose case number I've included below. For some reason my barclay Jet Blue Credit Card has sent me a letter saying that their investigation found that the charges were valid. They were not valid. 

Case Number : 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 monetary relief
Consumer complaint received 2021-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was never late on this account. The late payment shown is in error. Please check payment records and provide documentation why this is reporting as a late payment. This is a good standing account. Again, please verify this immediately and correct the reporting error!

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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a bank of america credit card opened since XX/XX/XXXX with a perfect payment history - never even a 30 day late. Then suddenly in XX/XX/XXXX, right when I lost my job during / related to COVID, they unsympathetically shut down my card and terminated our 7 years ' long relationship. 

Given the circumstances of COVID and job loss in XX/XX/XXXX, I explained to Bank of America that I was experiencing hardship, and the fact they terminated my relationship and closed my good standing account, I needed to allocate funds where necessary for survival. 

I was advised by customer service that I would not be further punished with adverse credit reporting. 

This proved to be untrue, and B of A ruthlessly brutalized my credit with negative reporting during which period I thought was in hardship agreement and that some grace was to be extended. 

Given my perfect history from XX/XX/XXXX to XX/XX/XXXX, I would expect some compassion from B of A to see this was obviously circumstantial and not a pattern of my character ( again, just look at my history - it's clearly covid related ). 

Now my credit is so far worse I'm barely able to obtain new housing and B of A has only stepped on my neck and put my face in the mud - disgraceful corporate behavior, especially for an organization that received plenty of taxpayer dollars to help their own balance sheet. 

I just want a reasonable opportunity to get back on my feet and financially normalized, but it's increasingly difficult to do with this type of reckless, dismissive, and insensitive corporate behavior. 

Either they can fix the matter and meet the hardship terms their customer service reps so confusingly promised me, or return all taxpayer dollars for anything they were beneficiary to during covid. 

The individual customer matters not more than statistics with Bank of America it seems.

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 2021-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax, XXXX, and XXXX  have ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30-day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' which I have disputed.

Each of the above-mentioned credit reporting agencies has : 1 ) provided inadequate phone help 2 ) failed to reinvestigate disputed information 3 ) improperly conducted reinvestigation of disputed item 4 ) provided inadequate information 5 ) provided outdated information Please resolve this manner as possible. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I contacted the company by letters asking to validate debt with the amount of XXXX but didnt receive a response. Letters was sent on XX/XX/21 and XX/XX/21

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$8700.00}, {$8000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.

Company response to consumer: Closed with explanation