vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/2017 I changed my wireless mobile provider from XXXX XXXX to XXXX XXXX XXXX. When I left XXXX wireless my account was in good standing with {$0.00} balance owed. Several months later I received a bill from XXXX XXXX in the amount of over {$1200.00}. When I called XXXX XXXX and attempted to find out what this bill was for, no one could figure it out and stated to me they arent sure. I advised them that I was not sending any payment to them unless they can clearly explain to me what the bill was for, because I confirmed via telephone with a XXXX XXXX representative when I made my last billing cycle payment that there was absolutely nothing left else I owed ( hidden cost, termination fees, etc. ). But he insured me that there was nothing else. For a few more months I attempted on multiple phone calls to them over and over again to find what this bill was I received for more than {$1200.00} but every time, not a single person understood it and was not able to explain anything at all to me. Eventually they sent it to collections where it still remains and continues to hold my overall credit score down. After a few months of it being in collections I went to a local XXXX XXXX corporate store and went over the bill with a manager there, who was the first intelligent person to figure out what they were looking at and explained to me it looks like XXXX XXXX continued to bill monthly cycles under my account, even though the account was terminated the day I switched to XXXX XXXX XXXX. How do you bill Someone for months that isnt even no longer a customer? This is a huge mistake on XXXX part and because of their negligence, my credit has been severely damaged! I cant even talk to someone with XXXX XXXX to have them straighten it out since its there fault, because they told me they no longer hold the account, and that the collection agency ( Jefferson Capital ) now holds the information. And when I called Jefferson capital to notify them that they were sold a bogus account from XXXX XXXX, they advised me there is nothing they can do for me and just kept asking me how I want to pay it? I told them I was not paying anything because there was no debt in the first place. I need this matter to be deleted from my credit history and wiped clean immediately. This has been so unfair and has really caused a lot of headaches financially for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I had filed a small claims suit agasint Loancare for failing to properly service my loan when they took it over from XXXX XXXX XXXX. I had dismissed the case since I couldn't show up to court. Loancare in turn frivolously, without any court order, arbitrarily increased my loan principal by {$2600.00}, and claimed these were due " attorney fees ''. Per my conversation with the CFPB compliance reps, Loancare is in violated the Truth in Lending Act, RESPA and the Rosenthal Act. 

There is no clause in the mortgage docs which state Loancare can add such arbitrary fees to my mortgage. 

I've attached a copy of the letter LoanCare sent me stating they were putting this fee on my account. 

Loancare transferred this account to another lender with this inflated loan amount.

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 2022-07-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I sent Experian a certified letter along with a return receipt. In accordance to the Fair Credit Reporting Act XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States that 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 2022-07-21 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: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XXXX Huntington bank reversed a provisional credit amount of XXXX The amount was part of a disputed charge from XXXX who committed fraud when they debited my account without authorization. Huntington back then reversed the credit they gave me saying that I had a contract with XXXX to be able to debit my account for any past due balance. Well you have to have a contract with XXXX to have their service but as I explained to Huntington Bank that does not give them the authority to debit my account whenever they feel like it for whatever they want. This was an unauthorized charge from XXXX and Huntington Bank allowed them to commit fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: MD

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. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 explanation
Consumer complaint received 2022-07-21 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: Experian Information Solutions Inc.
State: MD

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. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX 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 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 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 2022-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
id theft i submitted info and still no help. i sent info but no update guess i sue idk. but i got ahead in file with cfpb first.

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 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: WA

Complaint narrative:
I have been dealing with IQ Data International for 4 years and have tried to settle the matter with the company. 

I worked for XXXX in 2018 and lived at one of their apartment communities. Due to a work conflict and an infected apartment with bugs, I was allowed to vacate the premises without owing a balance. I have provided documentation, i.e. emails from management stating I don't have a balance, to XXXX and the documentation was provided to IQ Data International and they refuse to accept my written correspondence. 

On XX/XX/XXXX, I spoke with XXXX from IQ Data International, and she advised me to go to XXXX XXXX, while she was on the phone, and apply for a loan to pay this outstanding debt. She took information from me to see whether I qualify for a hardship settlement due to my circumstances and placed me on hold. She returned back and advised me to go to XXXX XXXX  and apply for a loan for {$1800.00}, the debt is {$1400.00}. I explained to her my credit is not the best and I will not be approved, she insisted I apply. They are asking me to pay more than 20 % interest on top of the actual debt. I have no signed contract from the creditor stating I will be paying interest ; this is against the FDCPA. I have asked IQ Data to provide me with documentation from the creditor to show the stipulations, and they have refused to provide me with anything. 

After a few moments, I told her I do not owe this debt since I have written documentation from a manager. She stated I need documentation from the regional manager, which I did provide, and IQ Data is still refusing to accept any documentation and have this collection debt on my credit going on 4 years. 

This has caused me to find housing and tremendous hardship and qualifying for any credit and has impacted my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
I previously notified XXXX on XX/XX/XXXX that I am a victim of identity theft, and requested that they do the following : 1 ) Close the unauthorized account, 2 ) Remove any charges on the unauthorized account, and 3 ) Take steps to remove information about this account from my credit files. To date I have still not received written confirmation of these actions. 

Instead, I have received a new bill from a new debt collector, Afni , Inc., stating that I owe even more money to XXXX. As I stated before, I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX. I did not open or authorize this account, and I request that it be closed immediately. XXXX has not responded and instead put me in debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on XXXX credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, 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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus stated my accounts were properly investigated, but how is this possible if the open date is inaccurate, the date last active is inaccurate, the amounts are different. These are grounds for removal they also violated my rights under 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. 

According to the Fair Credit Reporting Act everything must be 100 % accurate. Clearly my credit report is filled with numerous inaccurate information violating my rights. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX I'm also a veteran and having this inaccurate information on my report is actually preventing me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
id theft i submitted info and still no help. i sent info but no update guess i sue idk. but i got ahead in file with cfpb first.

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 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I had an internet/cable service relationship with XXXX XXXX for roughly 3 years. The service became so poor, including multiple times at which service was out for multiple days- including during my families movie nights and during the XXXX XXXX. They stated my area was prone to frequent outages and there is nothing they can do but try to resolve it as fast as they can. I informed XXXX that the service was not satisfactory and I needed to terminate due to the breach on their part of contract. The service person agreed. I ended my service and returned equipment. 6 months later I was hit with a collections from XXXX  XXXX. I contacted XXXX and they said there was a mistake and yet never returned my call, they did say there was a charge after canceling the service that was in the contract- but when I informed them they breached by not providing service they said they would have to get back to me... Instead they sent me to collection. This feels very much like a calculated move to defraud customers.

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not my inquiry. 
XXXX XXXX XXXX XX/XX/2020 Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible

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 2022-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX with the XXXX XXXX XXXX and XXXX Account, the below listed accounts has violated my rights.

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

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX  : Last reported XX/XX/XXXX {$250.00} Open balance : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor ) XXXX XXXX XXXX XXXX DEPT OF EDXXXX  : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my XXXX and Equifax credit report. Incorrect inquiries on my XXXX is XXXX  XX/XX/XXXX. 
Incorrect Equifax inquiries are XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX Also XXXX XXXXXXXX XXXX XXXX is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: LEXISNEXIS
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Lexis Nexis 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 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