vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 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: NV

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX/XXXX  XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00}, XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XXXX XXXX Owed : {$2400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00}, XXXX XXXX, * Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VW Credit
State: WA

Complaint narrative:
I had a lease with Audi/VW Credit and due to life changing events was looking to break a lease. Unfortunately could not find an acceptable solution with the lender. By some events solution has been found with 3rd party ( a company ), that took a car from my possession and promised to make payments ( by a written agreement/contract ). Unfortunately the company I mentioned before was the fraud company, that has been sued by the government and Im the victim on a case. I tried negotiate credit reporting with a lender but it had no success. An account has been settled/satisfied. I believe its unfair to be responsible on 100 % for what happened due fraudulent component. I would like to remove the VW Credit/Audi account from my credit reporting file with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
Roughly 5 - 7 months ago I was contacted by a company named Source Receivables, Management located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. I was told I owed a debt of {$270.00} for an unpaid balance regarding a business line I carried through XXXX. I was unaware of any issues I may have had wirth XXXX and was actually talking to the collection company on the phone they were attempting to collect a debt on. I immediately explained to them this was the first I've heard of it and was a mistake, I then tried calling XXXX ( who XXXX merged with ) and I was told I don't have any debt, and if there was a debt from XXXX  it would have carried over and would have affected my account. It was never carried over because there was never any real debt. I explained all of this to the people of Source Receivables and even recently provided them with a reference number from XXXX  regarding the conversation I had with them and how I never owed money. I've spent a minimum of 6 months being called a liar and being bullied into something I never owed by their employees and manger named XXXX XXXX. Fast forward to today and the company has admitted their mistakes and no longer carry a debt in my name. However, my credit score has been hit hard by this, and since I've asked the company about how to file a complaint against them I've now been blocked and no longer have the option of speaking to someone about this. I've asked for transcripts regarding the amount of calls and harassing messages I've been receiving and that's when they blocked my phone number. I would like for this company to receive some sort of punishment for harassment. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am sending this dispute letter on my behalf. 
Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My account got hacked on XX/XX/XXXX. Though the funds were returned, my access to my account was terminated. I have tried to work with Chime for over 2 weeks I am getting nowhere with Chime on restoring my access, so I have been unable to gain access to my funds. I dropped my direct deposit so they can not get anymore from me. BUT as it sits they have a lock on almost {$1500.00} that I can't get back. My attempts to work with this company to resolve this have met with being lied to and constant disconnections. I had at least 10 conversations dropped yesterday alone. What this company is doing should be illegal on some level. I am hoping you cam help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: DISCOVER BANK
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I have a complain open No XXXX against Bank of Texas XXXX A few days ago I received through regular mail, A package from Bank of Texas with my physical address on it, but addressed to XXXX XXXX, which I do not have an idea who that person is. I did opened believing it was a mistake on the witting address. It consist of several pages, the first it is a letter from XXXX to XXXX XXXX ( please see document attached ) talking about his case. In the last page shows a copy titled " Uniform Underwriting and Transmittal Summary '' which you can see XXXX XXXX 's information about his loan where include his address and his Social Security Number. This is a very serious matter. It makes me believe XXXX is totally careless about sensitive information and that my own information has or could be sent to a different person who can bad use of my sensitive information for the lack of ethics XXXX has related protecting his customer 's information. I am sorry, it seems I have been very hard with Bank of Texas, but I expect and deserve better. 
I want this bank to be responsible for the payment of at least a few years of XXXX XXXX XXXX, which serves as a lesson of whomever is responsible for this bridge on the security of all the customers. Btw, I have left only the 4 last digits of XXXX XXXX 's SS # to protect his identity, but on the document I received it shows it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: World Acceptance Corporation
State: MO

Complaint narrative:
The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights World Finance XXXX has stated in a documented letter of their inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: TX

Complaint narrative:
They have been calling me about 6 or more times a day sometimes its back to back calls with different numbers but same company, the reason I know is because sometimes I return the callback and they greet me with " SRS '' and their name. I have stated to them that I will call them about my debt. I am aware that I still owe Spire Recovery Solutions ( SRS ) money but at the moment I only have enough to make my ends meet. I have spoken to different agents letting them know and they have stated they WONT call again. But getting 6+ calls a day just by them is quite absurd at this point. I am getting harassed on a daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I called nation credit system to tell them that they are reporting wrongful information on my credit, that I owe a debt for an eviction to a place that I have never lived or leased or rent. Someone used my information to apply and they got evicted now its on my credit and I can not get any where to live and I can not get any approvals for any car or apartments because of this wrongful credit reporting on my score, they never sent me any letters and have not contacted me since XX/XX/2023 but its sitting on my credit saying that Ive been evicted and the apartment complex has no records of me ever living there. But they sold the debt to a collector and now its reporting on my credit with a large balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
An agent Identifying himself as calling on behalf of LTD FINACIALS SERVICES called a family member of mine. How embarrassing and harmful. I don't know this company, nor do I have a contract with them. They have violated my privacy and that of my family member 's. I didn't give my information or that of my family member 's to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: Marlette Funding, LLC
State: TX

Complaint narrative:
Name. XXXX XXXX Address. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Tx XXXX Email Address. XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy. 

15 U.S.C 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern, On XX/XX/XXXX a loan was issued for the XXXX XXXX with myself being the co-borrower. On XX/XX/XXXX I left my marriage due to domestic XXXX, I left everything from my clothing to the XXXX with the primary focus being my safety. Fast forward to present day, I have contacted Capital One Auto Finance twice to request a co-signer release and detailed my reasoning pertaining to having to leave due to domestic XXXX. Knowing that I needed to further support my claim, I explained in detail several other concerns, despite not having the car in my possession I have continued to make the payments, the financial hardship I am experiencing as of present and a very concerning matter. I am presently a XXXX and every day that he drives the vehicle is a risk to me losing my XXXX license. The reason being is his license is suspended, the fact his license is suspended resulted in the vehicle being registered to myself which puts me in substantial jeopardy either financially or with my career or both. As explained before, I explained all of this twice and both times I was given the run around. Yet on their website it discusses that there is a possibility to be granted a release and I quote if you meet certain conditionsmainly, you made each loan payment on time for several years. I have met this condition, I know the ultimate decision is theres, but I am not getting anywhere with Capital One and as one last attempt, I decided to file a complaint to protect my XXXX license and financial future. If necessary I can provide police reports and bank statements to prove I am current with the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I had a lease with XXXX XXXX and due to life changing events was looking to break a lease. Unfortunately could not find an acceptable solution with the lender. By some events solution has been found with 3rd party ( a company ), that took a car from my possession and promised to make payments ( by a written agreement/contract ). Unfortunately the company I mentioned before was the fraud company, that has been sued by the government and Im the victim on a case. I tried negotiate credit reporting with a lender but it had no success. An account has been settled/satisfied. I believe its unfair to be responsible on 100 % for what happened due fraudulent component. I would like to remove the XXXX XXXX account from my credit reporting file with all 3 bureaus.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I had a lease with XXXX XXXX and due to life changing events was looking to break a lease. Unfortunately could not find an acceptable solution with the lender. By some events solution has been found with 3rd party ( a company ), that took a car from my possession and promised to make payments ( by a written agreement/contract ). Unfortunately the company I mentioned before was the fraud company, that has been sued by the government and Im the victim on a case. I tried negotiate credit reporting with a lender but it had no success. An account has been settled/satisfied. I believe its unfair to be responsible on 100 % for what happened due fraudulent component. I would like to remove the XXXX XXXX account from my credit reporting file with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I call in, speak with rude representatives. They don't listen, rush you off the phone or blind transfer the call or hung up on you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have sent in three dispute letters to AMEX and all three credit reporting agencies ( XXXX, XXXX, and XXXX dated XX/XX/23, XX/XX/23 and XX/XX/23. XXXX and XXXX have removed this account however XXXX alleges they verified it and will not remove it. 

This account is not my account nor am I an authorized user on this account. 
The account is reporting open ; for whom? Who is the account holder? Who is the authorized user? 
AMEX had violated my rights reporting an account that is not mine. They also did not respond to me in over 90 days which, is a FCRA violation for FCRA requires disputed item to be validated within 30 days or removed. 
Due to the delay in removing this erroneous account, it is causing me a hardship and has my credit score lower than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: LA

Complaint narrative:
Asked original plan documents and proof of late payments

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 2023-06-21 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: LA

Complaint narrative:
Asked original plan documents and proof of late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
This is about a fraud committed on my VYSTAR signature credit card. There are charges remaining on my card that I reported as fraud many weeks ago. I have a new card now and the original card where the fraud was committed is cancelled. However they continue to roll the charges on to my new account number. They tell me it can take up to 30 days to resolve. Meantime I have around {$10000.00} in charges still posted on my account. This affects my credit score. They should remove the charges and then investigate but they do not. Ive called several times and am told it is in processing. Unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief