vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX ), to XXXX XXXX of CREDIT SYSTEMS INTERNATIONAL, INC. on XX/XX/XXXX and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents. In the invoice, there is a due date listed on XX/XX/XXXX of {$1000.00} USD per violation listed and damages of {$18000.00} USD with a total of {$90000.00} USD. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To : XXXX, XXXX and Equifax I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and Third Party Creditor XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. XXXX, Equifax and XXXX has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: PA

Complaint narrative:
My handbag was stolen the a year and a half ago with all of my pertinent information in it. License and Social security card. My information was used to try and retrieve credit, mortgages and car loans. I have not applied for anything with my credit since I have lost my handbag. 
I am writing to delete the following information in my file. The items I need deleted have been listed in the report. I am a victim of Identity theft. I ask that the items be deleted to correct 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 non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To : Transunion, XXXX and XXXX I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and Third Party Creditor XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. Transunion, XXXX and XXXX has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against 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 non-monetary relief
Consumer complaint received 2022-01-06 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: TN

Complaint narrative:
I sent letters to each 3 main credit reporting bureaus : Transunion : XXXX : XXXX I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXX XXXX must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXX  as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.

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 2022-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Experian I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. XXXX, XXXX and Experian has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against 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 non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX purchased my information from Capital One Bank USA, and is trying to recover what they say I now owe them in the amount of {$880.00}. I have no contract with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
Apparently XXXX says I owe them a vast amount of money that they transferred to XXXX which is the collection agency. Ive disputed this is XXXX multiple times and XXXX. It disappears from the credit report and after some time reappears dragging my credit score down almost XXXX points every time it happens. They cant provide me with anymore info other than the info they have is accurate. I currently have XXXX as well so theres no way I can owe them a balance and have service at the same time. The account XXXX is saying I owe this balance on is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have been receiving threatening calls about a debt I have no knowledge of. Repeatedly they have called me and when I ask who they are they refuse to tell me and are very rude, most times they hang up. I eventually managed to speak with someone told them to mail me the information as I did not feel comfortable giving out my personal information over the phone blocked the number and later received a knock on my door from my local sheriff 's dept with a court order suing me for the debt from said collector XXXX XXXX. I am away on business and receive a phone call from my sick mother stating they have called her and threatened her as well. They then proceeded to tell her all my personal business without my consent or knowledge. I called once again and reminded them at this point I'm in litigation with them and there was no reason for them to continue to harass me or any of my family about a debt they can not even provide a statement of. Apparently this debt is over 5 years old and was bought by another debt collector from a business that is closed down. I offered on a few attempts to try and make arrangements to pay whatever I owed as long as I was mailed a statement or itemized bill. I've never received anything and even made arrangements to try to take care of this matter. They are bullying and non compliant about negotiating with me. I am in the process of being taken to court by these people due to their lack of communication and providing necessary information. I want to countersue them for harassment due to my mother 's health declining since their repeated calls which I have documented. Please let me know what I can do as this is not ethical or right for them to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Bank account opened with TD Bank in XX/XX/2021 Bank account opened with XXXX XXXX in XX/XX/2021 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Unknown and unowned debt doing years of harm by this unknown creditor. Not sure where these debts are coming from but they are not mine. 
Several Merchant and Medical accounts that I have never heard of with various balances. See attached image.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and I noticed some fraudulent accounts listed on my credit report I then proceeded to reach out to the credit report agency to fix this issue but they did not fix the issue.

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 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Two separate accounts opened with Wells Fargo. 

One in XX/XX/2021 and one in XX/XX/2021. 

One is checking and the other is a retirement account.

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 2022-01-07 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: TN

Complaint narrative:
I sent letters to each 3 main credit reporting bureaus : XXXX : XXXX : Equifax I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXX  services must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXX as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TN

Complaint narrative:
I sent letters to each 3 main credit reporting bureaus : XXXX : Experian : XXXX I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXXXXXX services must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXXXXXX as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.

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 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MS SERVICES LLC
State: CA

Complaint narrative:
On XXXX XXXX MS Services LLC Collections started reporting to all 3 credit bureaus that I owe them {$690.00}. I have no contract with this company. MS Services purchased my personal information from XXXX XXXX XXXX XXXX Checking OR without my knowledge or permission. They are in violation of 15 usc 1692 and 15 usc 1681. Further more on the collection it states that it was {$630.00} and as of now it is {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have a an inquiry listed on my credit report that I didn't authorize from One Main Financial. One Main services are misleading. The website states you can check a rate without impact to your credit report which is clearly misleading. I never authorize one-main to run my credit dated on XXXX. Unfortunately the ran my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: NJ

Complaint narrative:
In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great XXXX  and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on 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 2022-01-07 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: NJ

Complaint narrative:
In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great anxiety and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I purchased GYEN coin which were deposited into my Coinbase account. Within a few days, the price of GYEN went up and at that time I sold all my GYEN for over {$550.00}. Almost a week later, Coinbase confiscated the profits from that trade which were still in my account by taking {$550.00} worth of coins in my account and sending to themselves. They have stated there was an error they corrected and that this problem, including my complaint, has been resolved internally and Coinbase has not communicated any further with me. I want my money back which Coinbase has robbed me of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I sent Nelnet an Affidavit of Truth on XXXX XXXX that was notarized, and sent through certified mail. The USPS shows that they received it on XXXX. I received an email today indicating that they received my Validation of Debt request. This was not a validation request, it was an Affidavit stating 7 facts of fraud and willful disregard for my privacy, and consumer rights under the FCRA & FDCPA. This company continues to operate in violation to Federal Law in regard to my 2 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Unknown when it occurred posted on credit file on XX/XX/21 in the amount of {$920.00} from consumer adj co

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been receiving threatening calls about a debt I have no knowledge of. Repeatedly they have called me and when I ask who they are they refuse to tell me and are very rude, most times they hang up. I eventually managed to speak with someone told them to mail me the information as I did not feel comfortable giving out my personal information over the phone blocked the number and later received a knock on my door from my local sheriff 's dept with a court order suing me for the debt from said collector XXXX XXXX. I am away on business and receive a phone call from my sick mother stating they have called her and threatened her as well. They then proceeded to tell her all my personal business without my consent or knowledge. I called once again and reminded them at this point I'm in litigation with them and there was no reason for them to continue to harass me or any of my family about a debt they can not even provide a statement of. Apparently this debt is over 5 years old and was bought by another debt collector from a business that is closed down. I offered on a few attempts to try and make arrangements to pay whatever I owed as long as I was mailed a statement or itemized bill. I've never received anything and even made arrangements to try to take care of this matter. They are bullying and non compliant about negotiating with me. I am in the process of being taken to court by these people due to their lack of communication and providing necessary information. I want to countersue them for harassment due to my mother 's health declining since their repeated calls which I have documented. Please let me know what I can do as this is not ethical or right for them to do this to people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
I submitted a request for a deferment to begin XX/XX/XXXX, along with supporting documentation. My request has been rejected several times although I have sent in sufficient documentation. The first document that I sent in was dated XXXX XXXX, however it showed that my benefits received from XXXX agency were ongoing..I also included my dependents insurance card showing new coverage would go in effect starting XX/XX/XXXX ( which is within time period of my deferment request ). Rhose documents were denied, and tep stated letter needed to be dated within 30 days. I explained to rep that XXXX XXXX  agency could only provide me with most recent letter that went out regarding my benefits ( that letter was dated XX/XX/XXXX, and once again showed that benefits would be renewed effective XX/XX/XXXX ). My second letter of documentation has also rejected..although it clearly shows that I am currently receiving benefits through a government agency, and benefits went into effect during time of deferment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and I noticed some fraudulent accounts listed on my credit report I then proceeded to reach out to the credit report agency to fix this issue but they did not fix the issue.

Company response to consumer: Closed with explanation