vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I sent Fifth Third Bank , National Association via certified mail a " Notice of Dispute and Conditional Acceptance Upon Proof of Claim '', delivered XX/XX/2022 at XXXX. In my letter I stated, it has come to my attention that there may not have been a true qualified meeting of the minds, that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract. I agreed to continue making payments on the condition full disclosure is provided by : 1. Presenting the language used in the documents, 2. Presenting the dictionary used in the documents, 3. Presenting the system of grammar used in the documents, 4. Presenting a legend to comprehend the symbols used in the documents, 5. Presenting definitions of the words marked in red ink on the documents, attached as Exhibit A-C, 6. Presenting all records and the general ledger statement of the referenced account, presenting the full accounting of the alleged obligation, verified ( sworn true, correct and complete ) by the party who made the entries, 7. Presenting duplicate copies of all statements for the referenced account, 8. Presenting a duplicate copy of Notice of Debt for the referenced account, and 9. Presenting a competent clarification, per the attached Proof of Claim that I have any lawful obligation to repay this alleged debt for the referenced account. 

I instructed Fifth Third Bank , National Association to cease collection and reporting of the alleged debt while efforts are made to obtain Proof of Claim. I also instructed Fifth Third Bank , National Association to cease all communication with me or any third party after the verifiable receipt of said notice unless they were providing procedurally proper validation of the debt or a consultation fee would apply. Since XX/XX/2022, the recorded delivery of the notice, Fifth Third Bank , National Association has called, email, text, and sent detrimental information to major credit reporting agencies against my instruction, without my consent, and without providing proper validation. My experience with Fifth Third Bank , National Association has been abusive as I believe they entered into the contract without clean hand and have yet to prove their claim while destroying my livelihood and reputation. The constant harassment via phone call, email, and text, paired with the detrimental information on my consumer report provided by Fifth Third Bank , National Association without my consent or written instruction has caused injury to my person and household. The scheme of fraud Fifth Third Bank , National Association is using by threatening, intimidating, deceiving, and enticing to coerce natural living people to commit an act creating a legal disability where none exists is appalling and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a collection account that I believe is someone else 's account, XXXX and XXXX have already removed this collection from my credit report. All the bureaus are supposed to have the same information. Experian has also failed to provide any debt validation of this debt, I have no idea what this collection is.

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 2022-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/XXXX I received an update to my payments remaining for XXXX that did *not* include my current employer for which I have submitted an employment certification form in the Fed Loan Servicing document upload for it. The last month my employment certification has listed qualifying payments for is XX/XX/XXXX ; however I have remained employed consistently with the same qualifying employer since then. It is not XX/XX/XXXX. I have uploaded the completed updated employer certification and now that the eligible payments have been recalculated, I need them to be updated with the latest documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing this complaint due to a number of actions that you have taken that have completely disregarded my rights under the FCRA, FDCPA, AND THE FACT ACT in which you have a legal duty to comply to. Failure to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) You failed to validate a debt at my request, FCRA Section 611 Part ( A ) ( 1 ) which is a FDCPA violation and you continued to furnish a disputed debt. another FCRA violation. You also failed to provide me with the dunning letter, or proof of sending the original dunning letter notifying me. " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense since I have a track record of you not sending documents back to me. By submitting an Identity Theft Report to a CRA, a victim can stop the CRAs from reporting information resulting from the identity theft on the victims credit report. The CRAs have up to four business days after they accept the Report to block the information. FCRA 605B, 15 U.S.C. 1681c-2. Once a CRA informs a furnisher that it has accepted a victims Identity Theft Report which states that the information the company furnished was caused by identity theft, the furnisher is prohibited from refurnishing that information to a CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( A ). The same prohibition on refurnishing fraudulent information to a CRA applies if the victim files there Identity Theft Report directly with the furnisher. FCRA 623 ( a ) ( 6 ) ( B ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ). CRA refuse to correct information after being provided proof of inaccuracy is a violation ; defamation, willful injury FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX. 
No. XXXX ) .CRA have not validated debt and they still continue to report FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to CRA 'S abusive and deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: GA

Complaint narrative:
Equifax is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Equifax is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Choice Recovery, Inc.
State: FL

Complaint narrative:
This company has violated Hippa laws I demand they are investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
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 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 ) States : 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 2022-04-25 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: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Several Rocket Mortgage employees called me and left voicemails over several days. I had previously requested that I be removed from their sales list, so called back thinking there might be an issue with my mortgage. 

The salesperson I spoke with asked me several questions about my home situation ; throughout our conversation, I was clear that I had no interest in making any changes to my mortgage. The salesperson then stated that he was going to take a look at my credit to make sure everything was in line and asked me if the last four of my social were XXXX. I confirmed that the numbers were correct, and which point he immediately left the call and put me on hold - before I could ask what he meant by taking a look at my credit or why he would need to do so. I absolutely did not understand that he was going to make a hard inquiry into my credit. He did not use the words " mortgage inquiry '' or " hard inquiry. '' When the salesperson ( who referred himself as a " banker '' ) returned to the call, I asked him if he had just executed a hard pull on my credit report and he assured me that it was " no big deal. '' Unsurprisingly, my credit score was in fact negatively impacted by his action. I later contacted Rocket Mortgage to ask that the inquiry be removed from my credit report and they said they could not remove it because I consented to the credit pull by confirming the last four of my social. Again, I did not understand that the salesperson was asking for my consent to create a hard inquiry into my credit and had made clear that I had absolutely no interest in any new mortgage product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
No response from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: GA

Complaint narrative:
in accordance with the fair credit reporting act account # 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 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 2022-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: NY

Complaint narrative:
As per the XXXX case XXXX, the dealership XXXX XXXX XXXX fraudulently sold myself, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The bank, Westlake Services Inc/ dba Westlake Financial Services is aiding in the fraudulent activity of the dealer after being provided all necessary timely documentation. Neither of the two has paid back what was owed to me. The dealer sold the vehicle as merchantable and repair to render, when it was not, overcharged the vehicle registration fee, and signed the contract under the wrong name and license, making the contract null and void. These are the only 3 know laws that were broken by the dealer as per NYS VAT Law. I have not had a reliable method of transport for almost 2 years and would like any assistance that you can provide. I will provide a few of the necessary documents where allowed. Thank you.

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 2022-04-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Victoria 's Secret has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Victoria 's Secret before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Victoria 's Secret to furnish any late payments to my consumer report. It is my belief that due to Victoria 's Seceret business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: NY

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

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ante
dates the report by more than seven years. 

XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX Account # XXXX and # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX  XXXX : Account # XXXX XXXX XXXXXXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TX

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, US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANNER CORPORATION
State: CA

Complaint narrative:
I ordered a phone on XX/XX/1922 from XXXX XXXX I returned the phone a week later because there was no charger to charge it so I told them I did not want it I send it back and they have been charging my bank account for all kinds of different fees on XX/XX/XXXX I was charged {$39.00} XXXX on XX/XX/XXXX I was charged {$50.00} restocking fee on XX/XX/XXXX I was charged {$19.00} on XX/XX/XXXX I was charged {$79.00} when the charges started I contacted my bank Banner bank and ask them to block them because I returned to the phone and they have no right to keep charging me for something I no longer have the bank told me they could not do that I have been talking to XXXX XXXX  several times a week they keep telling me that they're going to stop charging me but they just keep charging me I have already filed a complaint about them with the FTC also. Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've disputed these accounts multiple times and they are still illegally being furnished on my credit report. XXXX even removed an account THEN put it back on my report with absolutely no explanation.

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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid my card last like twice and they canceled it and now Im getting bills like if its still open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This company contacted me via email stating that I owed a debt that I never had. They are trying to collect a debt that they say that I owe, that I have never had at all. I don't appreciate them sending me an email about something that I don't owe.

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