vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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 an account without my written instructions.

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 2022-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Bought truck in XXXX 2022 Never received any form of communication from bank, no payment books, no emails, no phone calls Do not even have Loan or account number for Loan Day after Memorial day truck was repossessed without any due process took 2 days to find out who repossessed it and what bank to call Bank stated that they had wrong address and phone number- but Plates came to address, Taxes came to address, and the tow truck came to the address When speaking with Bank - Wells fargo - made excuses but did not offer any solutions Still after 6 days no solutions and no truck - have to go and pick up property Wells fargo Auo handled this agreement wrong from the strat and has handled the outcome wrong - very unprofessional

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 2022-06-07 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: CA

Complaint narrative:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a incorrect payment history in this Account : BK OF AMER XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this BK OF AMER XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX days late will be 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 explanation
Consumer complaint received 2022-06-07 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: FL

Complaint narrative:
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15.U.S.C 1681 section 602 A States i have the right to privacy.

15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: KY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( IC SYSTEM ) for committing identity theft. I have never given ( IC SYSTEM ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( IC SYSTEM ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( IC SYSTEM ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( IC SYSTEM ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( IC SYSTEM ) continues its collection efforts, I will file for litigation for actual damages caused and ( IC SYSTEM ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with Fair Credit Reporting act XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 an account without my written instructions.

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 2022-06-07 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: CA

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Credit Account XXXX XXXX, XXXX XXXX XXXXXXXX has violated my rights.

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a incorrect payment history in this Account XXXX XXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this XXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX days late will be 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 2022-06-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a incorrect payment history in this Account : XXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this XXXXXXXX XXXX XXXX XXXXXXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX days late will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called the 3 Credit Bureaus after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a incorrect payment history in this Account : XXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this XXXXXXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX days late will be 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 explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: AR

Complaint narrative:
- Discover bank notified me via email on XX/XX/2022 at XXXX that my accounts were frozen ( see attached file titled " XXXX DIscover Frozen Accounts Emails.pdf '' - this file contains all 3 emails I received, one email per account with Discover Bank ). I was informed in this email that I must call them immediately. I attempted to call them on XX/XX/2022, XX/XX/2022, and XX/XX/2022 and was met with 1 hour or longer wait times each time. I finally reach Discover Bank on XX/XX/2022 around midnight. I was informed by the customer service agent that my account were frozen " due to a business decision. '' The representative could not provide further explanation. The representative informed that I would receive my funds " within 60 days. '' The representative offer to schedule a " supervisor call-back '' - I accepted. I was informed that the call-back would occur within 24 hours. As of this complaint, I have waited greater than 24 hours. I have not been called, emailed, or notified in any manner. 

- On XX/XX/2022 at XXXX I called Discover Bank again ( see attached file titled " XXXX Discover XXXX '' ). I explained my situation to the representative named XXXX XXXX supervisor 's name is XXXX XXXX. XXXX informed me that my accounts with Discover Bank were being handled by the fraud department. XXXX informed me that she could not elaborate further about the status of my accounts or on anything in relation to my accounts. I notified XXXX that I am filing a complaint with the FDIC and my state 's attorney general 's office. XXXX offered to file an internal complaint on my behalf- I accepted. XXXX could not provide a confirmation number for the internal complaint. 

- My 2 checking accounts and 1 savings account with Discover Bank hold nearly all of my liquid capital. Discover Bank froze my assets without notice and without cause. I am left penniless with bills coming due including credit card payments, rental payments, electricity payments, and home internet payments. This does not include the bare necessities I need to live like food, water, or transportation. I can not pay for anything because of the position Discover Bank has left me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against RESURGENT CAPITAL SERVICES for committing identity theft. I have never given RESURGENT CAPITAL SERVICES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from RESURGENT CAPITAL SERVICES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If RESURGENT CAPITAL SERVICES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RESURGENT CAPITAL SERVICES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RESURGENT CAPITAL SERVICES continues its collection efforts, I will file for litigation for actual damages caused and RESURGENT CAPITAL SERVICES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent too and benefit from or authorize any of the accounts listed in the attachments. 
Under penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.

Reference to the violations listed in the attachments section.

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 2022-06-07 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: NC

Complaint narrative:
Took a trip to california in XXXX of last year upon returning from my trip i found that to of my bank issued credit cards had been used in transactions were my card wasnt present after that i started to get a lot of strange things on my credit report names address and accounts that ive never used or had as well as open account and inquiries contacted the banks and stopped cards and accounts also filed an identity theft report online contacted all 3 credit breau and have had no luck in gettint these things take care of this is all identity theft attempts on my report name XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX places of employment and a collection from a bull city {$150.00} ive never done anything with this company and tons of inquires that are to many to list from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX And also XXXX XXXX XXXX  ive never heard of or done anything with dont understand how they can report this fraud on my credit as if its accurate ive tried contacting them to help XXXX equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting inaccurately in Experian. I do not recall having accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.

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 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I believe XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting inaccurately in Transunion. I do not recall having accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.

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 2022-06-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe XXXX XXXX XXXX XXXX is reporting inaccurately in Equifax. I do not recall having this account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.

Company response to consumer: Closed with explanation