vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: United Revenue Corporation
State: TX

Complaint narrative:
I have several medical bills that do not belong to me, they are reporting on my credit report but with a birth date of XX/XX/79 and my birth date is XX/XX/79. I reached out to the reporting agency United Revenue Corp and hospitals in regards to these accounts. The have been giving me the run around in regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: FC HoldCo LLC
State: TX

Complaint narrative:
My car was totaled in an accident. The other drivers insurance paid for the car and my gap insurance paid in full. I am receiving on my credit report and amount of {XXXX} that can not be explained to me. The car was totaled and was pay off by the other drivers insurance. This occurred in 2016 and now this is appearing on my credit.

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 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX, SC provides services in XXXX XXXX. Their charges are included in XXXX XXXX XXXX. My insurance paid for everything because I was billed by XXXX XXXX for all services provided in its facility. 
They must contact XXXX XXXX since XXXX XXXX XXXX received claims from the hospital, never received any claim from the creditor. My insurance was billed by XXXX XXXX directly. The service is included in the facility. 
I received a notice ( attached ) to reply by XX/XX/2022 to stop collection and and replied with a certified letter ( proof attached ) on XX/XX/2022 and sent many letters prior to that notice to the creditor and was ignored. my insurance was not contacted as well. they violated my rights and blame me for paid debt, they ruined my credit score for debt paid by my insurance and they failed to submit a claim to my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
I recently discovered two collection accounts on my credit report. The accounts were listed under Southwest Collections. The original Creditors were XXXX XXXX ( {$180.00} ) and XXXX XXXX XXXX ( {$75.00}. ) I called Southwest Collections on XX/XX/XXXX to tell them I was unaware of the debts. The representative of Southwest Collections told me the debts were my wife 's debts but that I was responsible for them because California is a community property state. The representative said I was mailed notification of the debt in XXXX. I told him I never received it and ask him to send it again. He told me to contact the post office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK
State: FL

Complaint narrative:
On XXXX, I sent a wire transfer in the amount of {$38000.00} to a beneficiary at East West Bank and we made an error on the account number. The bank where I sent it from, XXXX Bank in XXXX, Florida has sent over four recall requests through the wire system since XXXX and the funds have not been returned. My bank has also called many times and requests have not been answered. It is now XXXX and East West Bank have held my funds almost one entire month without returning them. The funds should have never been credited as the beneficiary and account number did not match. We request our funds be sent back immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
This company is clearly discriminated against me. 
On XX/XX/2022, I complained about an agent being rude and unprofessional. On XX/XX/2022, an agent contacted ma and left a message threatening to charge-off my account. 

XX/XX/2022, I spoke with the collection department supervisor about all the prior issues with agents not providing accurate information regarding payments I made on my account. Today I found out the decreased my credit limit from XXXX to XXXX I will be filing a discrimination lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been contacted by phone by XXXX XXXX XXXX XXXXXXXX indicating they are a courier notifying me of a debt from overdraft fees they state I owe Fifth Third Bank and threatening legal action. I have repeatedly told them I have not held an account with Fifth Third Bank in XXXX years. They stated my account was never closed and that I needed to prove that it was which is to say ridiculous given the amount of time that has past. I have had no correspondence from XXXX XXXX regarding this either. These individuals contacting me had my personal cell phone number which I did not have at the time of the acct those years ago and they had my social security number. I don't know if this is a scam or improper debt collection but I can not possibly be held liable for debt from XXXX years ago that I didn't even know I had. I live in NC. I have filed a complaint with the NC DOJ consumer protection unit but these individuals are calling from out of state. The numbers that they are calling from are XXXX and XXXX. When I asked for proof of debt they sent me emails from docusign. I'm not uploading or signing anything from them. I have requested they cease and desist contacting me regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been actively trying to communicate with Capital One Bank in regards to derogatory remarks being reported on my credit file. During late XXXX and XXXX I communicated with this company that I was not able to make on time payments due to the pandemic. This company would not work with me at all and has been reporting these payments to my credit reports. Also, Capital One Bank is in violation of my rights under laws. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have clearly stated this in several letters and they have continued to report these transactions. I have sent letters to Capital One Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to remove these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
The following collection account does not belong to me : *MRSBPO/Acct # XXXX - This is a collection account that I am unaware of and have requested validation from the creditor and no validation has been provided. 

I have previously tried disputing this account on several occasions. The original creditor of this account is being reported as XXXX. I currently have an open and active account with XXXX  that I am currently paying on-time. I don't have any other previous accounts with XXXX, nor is my account in a collection status. Furthermore, I wouldn't be able to continue my services with XXXX, if I owed a previous balance on a closed account that was sent to collections. This account needs to be PERMANENTLY REMOVED from my credit file. 

If the collection company insists that I am the rightful owner of this alleged debt, please provide me with validation, proving that I in fact owe a balance to XXXX. Please provide me with the name and contact number for the original creditor, a breakdown of the balance I allegedly owe and the original contract that was signed. I would also like to be provided the first date of delinquency and the last activity date on this alleged debt to ensure this account belongs to me and is accurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: MI

Complaint narrative:
Hello, I have been Seriously Scammed a few times by people I have trusted, However, these people had sent me bad checks and I had cashed them not knowing they were bad and I was punished for it by my Banks and it was not my fault! It shut my bank accounts down and the cashed checks that were bad went on my credit report. The amount is so high I can't remove it, and I have no help from anyone. I am on long term XXXX and have been for over 25 years, I just wish to get mt Credit Score straightened out, I know I will never see that scammed money to pay the banks back which totals {$21.00}. 
Warm Regards, 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 2022-03-21 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: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
Hello, I have been Seriously Scammed a few times by people I have trusted, However, these people had sent me bad checks and I had cashed them not knowing they were bad and I was punished for it by my Banks and it was not my fault! It shut my bank accounts down and the cashed checks that were bad went on my credit report. The amount is so high I can't remove it, and I have no help from anyone. I am on long term XXXX and have been for over 25 years, I just wish to get mt XXXX XXXX straightened out, I know I will never see that scammed money to pay the banks back which totals {$21.00}. 
Warm Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2022 RE : FRAUD DEPT/ Identify Theft Update Credit files To : The Consumer Fraud Complaint Dept .

I have contacted Experian, XXXX, XXXX, XXXX, XXXX, and XXXX company several times regarding these unauthorized fraudulent identity theft accounts on my credit files. I have submitted several complaints about identity theft and have issued proof of identity to these companies including : federal commission trade report police report, Passport utility bills, A signed Rental Lease Agreement The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX Date : XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$30000.00} XXXX Finance # XXXX Date : XXXX Amount : {$1700.00} XXXX XXXX XXXX 
# XXXX Date : XXXX Amount : {$240.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$430.00} XXXX # XXXX Date : XXXX Amount : {$440.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$530.00} XXXX XXXX # XXXX Date : XXXX Amount : {$19000.00} XXXX # XXXX Date : XXXX Amount : {$17000.00} I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX Sheriff Department, and Federal Commissions Trade Report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida 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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
I am a federally protected consumer, making a complaint to due to reporting false claims on the credit report. This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I received a phone call XX/XX/XXXX at XXXX ET from an agent named XXXX XXXX from IC System. I informed her that the phone call was in violation of the FDCPA because I sent a letter disputing the validity of the debt to IC System over a month ago and had not been mailed verification of the debt as required before continuing an attempt to collect the debt. I asked to speak to her supervisor. Even after that information was provided to her, she asked if I am able to clear up this debt today. I reiterated that she should not be attempting to collect on this debt, and asked again for a supervisor. She transferred me to XXXX XXXX, who confirmed that IC System had received my dispute letter prior to the this call. I asked her how we proceed from here, because my rights were clearly violated, and she said she would transfer me to her manager. She transferred me to XXXX XXXX in the Consumer Affairs department. XXXX again confirmed on a recorded call that they had received my dispute letter prior to calling me, and told me I could email my complaint to their consumer affairs department, XXXX. I did so that day, and have followed up twice in the two weeks since, and have not received a reply. 

I also received a settlement offer letter dated XX/XX/XXXX. It is my belief that this letter was sent as a direct response to IC System 's receipt of my dispute letter, since IC System has only been attempting to collect on this debt for a very short period of time and was offering a 70 % settlement after a single collection letter. 

My wife happened to be home at the time I was talking to XXXX, overheard the conversation, and now thinks I'm in debt and hiding it from her. I now have to explain why I'm getting collection calls, why this debt exists, and reassure her that this is an anomaly. I haven't missed a payment on anything in decades. I simply do not owe this debt, the full amount of the debt for leased XXXX phones has been paid directly to XXXX when I canceled my service.

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 2022-03-21 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: FL

Complaint narrative:
I called XXXX, Equifax and XXXX to speak to a supervisor regarding my hard inquiries which are reporting inaccurately I have 6 hard inquiries from auto loan lenders reflecting on my XXXX credit report on XX/XX/XXXX of XXXX from a new vehicle purchase I made their should only be one inquiry for that vehicle purchase reflecting on my XXXX credit report not 6 and on XX/XX/XXXX of XXXX I have 3 inquiries reflecting on my XXXX credit report from another vehicle purchase I made which I should only have 1 inquiry reflecting from that encounter aswell the same goes for my equifax and XXXX credit report the credit bureaus wont anything about it I was told to reach out to the lenders and request a letter of deletion but I already did that and the lenders will not grant me that letter of deletion the lenders are saying its the credit bureaus I need to contact Im tired of the run around my credit report shouldnt be reflecting multiple inquiries on from the same transaction within 14 days I want these inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called XXXX, XXXX and Experian to speak to a supervisor regarding my hard inquiries which are reporting inaccurately I have 6 hard inquiries from auto loan lenders reflecting on my XXXX credit report on XX/XX/XXXX of XXXX from a new vehicle purchase I made their should only be one inquiry for that vehicle purchase reflecting on my XXXX credit report not 6 and on XX/XX/XXXX of XXXX I have 3 inquiries reflecting on my XXXX credit report from another vehicle purchase I made which I should only have 1 inquiry reflecting from that encounter aswell the same goes for my XXXX and experian credit report the credit bureaus wont anything about it I was told to reach out to the lenders and request a letter of deletion but I already did that and the lenders will not grant me that letter of deletion the lenders are saying its the credit bureaus I need to contact Im tired of the run around my credit report shouldnt be reflecting multiple inquiries on from the same transaction within 14 days I want these inquiries removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/22 I Called to get information from my existing mortgage lender ( New Rez ) about home equity loans, asked for information several times from XXXX XXXX mortgage consultant # XXXX but instead he ran my credit and started a new mortgage application which I did not authorize or consent to. I asked him for the info and he became agitated and said why I asked him about the home equity loan if I wasnt going to apply. I called New Rez to put in a formal complaint and no one has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly 658.00 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

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

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2022-03-21 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: MN

Complaint narrative:
In accordance with the fair credit reporting act convergent XXXX XXXX ( Account # XXXX ), and XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a 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