vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hello this is my second complaint against TSI. They are still reporting inaccurate and incomplete information on my credit report. This is an FCRA violation. I have also asked them to cease all communication with me and they still keep contacting me. I am well aware of the consumer laws and they are in violation. My attorney has advised me that I can sue them for {$1000.00} per violation. I'm sure they would hate to be sued for a higher amount than the alleged debt. I also spoke with the original creditor XXXXXX/XX/XXXX and they were not willing to accept payment from me, so why would I pay a 3rd party collector who I never signed a contract with? First off, the balance is incorrect and second, they will need to send it back to the original creditor so I can make some sort of agreement with them. I do not see the point of keeping this collection on file after I clearly stated to cease all communication with me.

As per the FDCPA 15 U.S. Code 1692g, I have the right to request a validation of this debt. I would like the following hard copies : 1. Agreement that authorizes TSI to collect on this alleged debt.

2. The correct amount of debt itemized and listed.

3. Contract with my signature.

4. Any payment history on this debt.

Thank you for your time

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 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: IL

Complaint narrative:
Equifax bought sold and traded my information illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
LOBEL FINANCIAL received my retail installment loan and has yet to fully disclose my rights as the consumer pursuant to consumer laws provided by Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account is from XXXX, 7 years ago. 

It is now resolved and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX There is nothing erroneous about this 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX There is nothing erroneous about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: NY

Complaint narrative:
XX/XX/XXXXThere is nothing erroneous about this 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 explanation
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
I have reached out to all 3 of the credit bureaus and they have given me the run around I have sent in my FTC report in months ago here are the accounts and inquires that need to be removed Immediately. 

Account Name and Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: IL

Complaint narrative:
Equifax sold bought and traded my credit illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received an email saying that I still owe XXXX after my card was paid off and they said that it went to the full amount of my XXXX XXXX XXXX XXXX XXXX  I called the number in this email Im not receiving any information back but my email is saying I still owe the full amount so where did the XXXX go? 

I had my card stolen. They shouldve still withdrawn the {$35.00} because the new card was linked with the old account number. They shouldve never even missed a payment.

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 2023-10-24 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: SC

Complaint narrative:
Over the past few months I have noticed several accounts that I do not recognize reporting to my consumer report. Ive reported this issue to all 3 of the credit bureaus more than twice and no action has been taken.

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 2023-10-24 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: PA

Complaint narrative:
Fraudulent charges were made to the following accounts. 

The statue allows for multiple reinvestigation. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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:
My credit report was impacted by Equifax date Breach and false information sold and was report to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I have received letters in the mail from : Spring Oaks Capital , LLC in Virginia trying to collect monies. I have never done business with this company, nor have I ever signed a contract with them. I have been receiving threatening phone calls from XXXX and letters from these people. They now have 2 collections showing on my different credit reports, claiming that I owe them money, which I don't. The 2 banks they are telling me they work for happen to be 2 banks that I have current accounts with, both in good standing, never late on any payments, no issues. I'm XXXX XXXX XXXX and scared that they will ruin my credit or do something worse to my life. I have reported Spring Oaks Capital , LLC to the XXXX, filed a complaint. I have a current XXXX Account and multiple accounts with XXXX XXXX, personal and business, all accounts are current, in good standing. Spring Oaks Capital has numerous complaints with the XXXX I have never given consent to Spring Oaks Capital, signed any contract or verbal agreements with them. I want these collections taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: AL

Complaint narrative:
In XX/XX/XXXX, I submitted a written request to XXXX XXXX, which they acknowledged having received. In my letter, I requested verification to ensure that the debt they reported was complete and accurate. Later that month, XXXX XXXX confirmed the debt 's accuracy. They also updated the comment section of my consumer report to read, " Consumer disputes after resolution. Charged off account. '' So from XXXX forward the charge off amount, late payments, and date of first delinquency should have never changed seeing as this is a CLOSED/ CHARGED OFF ACCOUNT that was supposedly verified. 

However, in XXXX XXXX after being denied credit by another lender, I reviewed my consumer report and identified discrepancies, incompleteness, and inaccuracies in the information reported by XXXX XXXX. This is concerning, especially since XXXX XXXX had previously assured me of the accuracy and completeness of this information in XXXX. 

Following my discovery, I lodged a complaint with the CFPB. In response, XXXX XXXX updated the information on my consumer report. However, this was not my request. Given the prolonged negligence on their part and the resulting implications over the past three years, I had asked for the deletion of this account from my consumer report. 

My consumer rights have been violated. As per 15 U.S.C. 1681i, if the information isn't accurately reported upon a consumer 's request, it is mandated to be deleted. By this provision, the account should have been removed in XXXX after the 30 days of it not being properly updated. 

In light of the above, I urge that this account be deleted from my consumer report without delay. I appreciate your immediate attention to this matter. 

Lastly, in accordance with the Fair Credit Reporting Act 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. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
in accordance to the fair credit reporting act. This creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This account was originally opened on XXXX That is now 18 years ago. However, Kohls continues to report this account. 

This account had been in dispute and is now resolved and is closed. 

I am in the process of selling my home and purchasing a condo. This item is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to all 3 of the credit bureaus and they have given me the run around I have sent in my FTC report in months ago here are the accounts and inquires that need to be removed Immediately. 

Account Name and Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
I have reached out to all 3 of the credit bureaus and they have given me the run around I have sent in my FTC report in months ago here are the accounts and inquires that need to be removed Immediately. 

Account Name and Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Once again Vystar and XXXX have furnished a negative account on my consumer report after receiving my debt validation, and my demand of removal. The letter stated that if vystar repost on my consumer report without sending me debt validation they were to IMMEDIATELY pay me {$75000.00}. My rights have been violated 15 USC 1692 and 15 USC 1611. I will have the CFPB help move matters forward in collecting damages from both parties. Also if account is charged off, then said account is paid which means it's canceled. 18 USC 8 Please see attachment. That letter was certified sent to VYSTAR CU the account number was from XXXX. XXXX account number is 510750

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 2023-10-24 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: SC

Complaint narrative:
Over the past few months I have noticed several accounts that I do not recognize reporting to my consumer report. Ive reported this issue to all XXXX of the credit bureaus more than twice and no action has been taken.

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 2023-10-24 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: SC

Complaint narrative:
Over the past few months I have noticed several accounts that I do not recognize reporting to my consumer report. Ive reported this issue to all 3 of the credit bureaus more than twice and no action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My due date for my payment was scheduled for XX/XX/2023. I contacted via email two weeks before. I did not get a response. I called multiple times the following week and was on hold for over 40 minutes numerous times and never got through to a representative. Instead the call would state to call the exact number I was on the phone with already ( XXXX ) XXXX and would hang up. This happened multiple times throughout the day and on different days of the week. I continued to follow up with another email. Again, no response. Due date approached and I was unable to make the change for my due date thus considering my payment late. I continued to email and call and still have not received a response and it is now XX/XX/2023. This is frustrating because I have other questions regarding my payment and loans and I continue to not get a response. I am currently on the phone and have been on hold for the last 47 minutes. I understand that with the new payment restart dates for everyone they may be busy taking calls, but I have zero hope of even getting an answer despite waiting for the last 47 minutes.

Company response to consumer: Closed with explanation