vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
At XXXXXXXX XXXX I received a text message from number XXXX that reads " This is a credit reporting alert that adverse credit information is scheduled to be reported to the credit bureaus by CREDIT COLLECTION SERVICES ( a debt collector ). You can pay {$260.00} due XXXX by calling XXXX or by visiting XXXX Reference File # XXXX I clicked on the website and the information that is ask is the file number and zip code. When I enter the zip code is says the information is incorrect. 

I currently have 12 cases open with CFPB due to IDENTITY THEFT, working with XXXX, XXXX and XXXX to remove the items. I have filed an FTC Identity Theft report. 

I'm hereby notifying " CREDIT COLLECTION SERVICES '' this debt is fraud, and this was reported to XXXX as well. After speaking with XXXX I was told that the policy I have with them is in good standing and the next bill date is XX/XX/year>. I have had the same insurance policy for over 5 years, and it is current and active. 

Furthermore, XXXX said this text message may be a scam, and they did not report my account.

Upon trying to dispute this via the company 's website, there is no way to contact them other than calling them, which I am not comfortable with giving XXXX has said they did not send me to collections and my account is current.

I will attach in good faith a copy of the FTC Identity Theft report. Under FCRA 605B this requires CREDIT COLLECTION SERVICES to stop all attempts to collect this debt. They have my phone number since they text me, if you have further questions call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
I inquired about insurance through XXXX decided to not go with XXXX because they wouldn't provide documents or policy cards after I paid them so I dropped it and I went to XXXX XXXX with my new vehicle now I got a letter in the mail from Southwest credit system saying that I owe {$75.00} through XX/XX/XXXX when I incurred their services and XXXX paid the first full month and then dropped it because they wouldn't provide documents now they're trying to charge me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Mortgage — Manufactured home loan
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: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
I had this mobile home load with Vanderbilt Mortgage Company, I got the home in 2013 and have been having issues every since, they didn't redo the used trailer like they should have, basically painted over everything, it was leaks in home, dead rats in the wall throughout the house that had a foul smell, the roof split in a room and the insurance said it was nothing they could do. I put the home in XXXX and was told I would only be paying the XXXX principal of the home that Vanderbilt put in the plan, I paid XXXX which would have left XXXX, but Vanderbilt stated that I agreed to pay them the interest which wasn't discussed by XXXX XXXX when I signed the loan contract or I would have never gotten the home. The funds I paid in XXXX Vanderbilt put the majority of the money twoards interest when I have documents from XXXX saying applied to the principal, I just want to get this issue corrected or something be done about the predatory loan practicing, the customer service reps are very rude when it comes to late payments and ect, the worst company to have a loan with.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-14 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
XX/XX/2023 They didnt do nothing they owe me XXXX of my own money. 

XX/XX/2023 They hung up in my face Im on XXXX XXXX & they locked my account containing my own funds. They stole my money and will not give it back XX/XX/XXXX Same thing hung up on me still about on the same fund my XXXX & & multiple times before this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: IN

Complaint narrative:
Notice to agent/principal, on XX/XX/2024, I called the XXXX XXXX  asking if they report bankruptcies to the credit reporting agencies and if the information on my name is accurate. I was told They do not report any bankruptcies to anybody. In fact they told me the bankruptcy data is not always accurate. So if thats the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. If the court do not report to your agency, how did you retrieve my information. who gave you permission to do so. this information you have furnished on my consumer report is infact not accurate and does not belong to me nor in my report.You have violated my consumer rights in accordance to 15 U.S. Code 1681q - Obtaining information under false pretenses ; which states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.You never did a fair investigation according to the 15 USC 1681. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. your agency has caused defamation to my character and destroyed my consumer report with inaccurate and false stolen information which does not belong to me. I demand immediate correction and delete this inaccurate bankruptcy data on my consumer report. i will not hesitate to pursue legal actions and sue for all the damages you have caused 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 2024-05-14 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Per the IRS, a lender ( Bridgecrest ) that cancels, discharges or forgives a debt of {$600.00} or more is REQUIRED BY LAW to send a 1099-C to the borrower. BRIDGECREST VOLUNTARILY REPOSSESSED THE PROPERTY IN XXXXXXXX XXXX  As such, the borrower must report the 1099-C as taxable income and this taxable income can no longer be disputed, collected or reported by the lender. Not only has Bridgecrest failed to issue me the required 1099-C, they are in violation of my rights under the FCRA 15 USC 1681 by 1 ) incorrectly reporting a balanced owed on my credit file, 2 ) reporting income that is taxable to me and 3 ) violating privacy. As of XX/XX/ having knowingly repossessed the property, acknowledged that they had not sent the 1099-C and continues to improperly report information on my credit report that violates the FCRA.

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 2024-05-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2024-05-14 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: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
Someone got my social security information and started up a debit account in my name fraudulantly. It was with Arvest Bank.

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 2024-05-14 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: NY

Complaint narrative:
I had filed a complaint to you about a XXXX  XXXX being reported under Public Records on my report. This XXXX  XXXX never happened and should not even appear on my report. I have not gotten the resolution from you and it says I don't have open complaints.

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 2024-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I had previously filed a complaint for this same debt as identity theft with a collection company named XXXX XXXX XXXX. It appears they had already reassigned this debt to Credence for a debt related to XXXX XXXX. I have never had XXXX XXXX. There was a fraudulent address tied to my credit reports of XXXX XXXX XXXX, XXXX, NJ XXXX that I have already had resolved with the credit bureaus. I also had 2 other attempts at opening credit in my name also. The amount in question is the same as was being claimed by XXXX XXXX XXXX. I have received communications from Credence after submitting a dispute with XXXX due to the company putting a collection on my report. I would hope that this company is not just going to sell it to another where I have to go through this whole process again and again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My cell phone was stolen and as a result someone used my XXXX  information to send themselves close to XXXX dollars. Chase Bank won't do anything about it because it's through a third party and XXXX won't do anything about it either. I submitted a dispute claim on Chase and they denied it the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit report transunion advised me after calling them that my file was mixed in with someones elses. They gave me a report number XXXX and said they would removed all inquires and the XXXX account immediately. To date it has not been removed.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Formal Request for Detailed Verification and Immediate Action Experian, I have repeatedly requested detailed information on the method you use to verify information on my credit report. Despite several attempts, you have consistently failed to address this issue. Additionally, you did not respond within the legally mandated 30-day period, which requires you to remove the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I dispute these claims and am requesting validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ). Specifically, I request the following : A breakdown of fees, including how you calculated the amount you claim I owe.

A copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cessation of any credit bureau reporting until the debt has been validated by me, as required under the Fair Credit Reporting Act ( FCRA ).

Proof that you are licensed to collect debt in my state.

Please send this information to my address listed below. This letter serves as my formal debt validation request under the FDCPA.

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 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the principles delineated in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I invoke the doctrine of estoppel by silence to assert that the absence of provided evidence regarding the purported student loan absolves me from any obligation thereof. Under this doctrine, the failure to furnish substantiation leads to the presumption of nonexistence of the asserted debt. Hence, I maintain that the alleged debt holds no factual basis due to the absence of supporting proof.

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 2024-05-14 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: GA

Complaint narrative:
In accordance with the principles delineated in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I invoke the doctrine of estoppel by silence to assert that the absence of provided evidence regarding the purported student loan absolves me from any obligation thereof. Under this doctrine, the failure to furnish substantiation leads to the presumption of nonexistence of the asserted debt. Hence, I maintain that the alleged debt holds no factual basis due to the absence of supporting proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
In accordance with the principles delineated in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I invoke the XXXX XXXX XXXXXXXX XXXX XXXX  to assert that the absence of provided evidence regarding the purported student loan absolves me from any obligation thereof. Under this doctrine, the failure to furnish substantiation leads to the presumption of nonexistence of the asserted debt. Hence, I maintain that the alleged debt holds no factual basis due to the absence of supporting proof.

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 2024-05-14 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Wrong addresses not updated, all old addresses need to be cleared. 
old bankruptcy, need to be cleared all charged off accounts old need to be clear hospital bills should not be on the 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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Wrong addresses not updated, all old addresses need to be cleared. 
old bankruptcy, need to be cleared all charged off accounts old need to be clear hospital bills should not be on the account,

Company response to consumer: Closed with explanation