vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
XX/XX/XXXX - {$500.00} ( portion of COVID-19 Fed. Govt. relief package ) was sent to XXXX XXXX XXXX ( a collection agency for XXXX ) advising that no additional funds were available. 

XX/XX/XXXX - Received collection letter from collection agency, XXXX XXXX XXXX, that I am on Social Security XXXX, and I am " judgement proof '' and no sources of government assistance ( which is my only income ) can be garnished. Advise XXXX & XXXX that I do not want to be contacted in the future using any communication whatsoever and that further contact would be considered harassment in violation of the Federal Fair Debt Collection Practices Act 15 USCA Sec. 1692c. 

XX/XX/XXXX - a new collection agency, XXXX XXXX, acting to collect this same original XXXX debt, sent another collection letter to which I responded with almost an identical text as the XX/XX/XXXX letter. 

XX/XX/XXXX another collection agency, Scott and Associates, PC, has attempted to collect this same, outstanding debt. 

I can only assume that XXXX ( account ending in XXXX ) is attempting to use various collection agencies to disguise harassment attempts over time. 

I am, therefore, reporting this latest harassment attempt to you, the Consumer Financial Protection Bureau. 

I have included copies of the relevant correspondence as attachments. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I sent a letter to remove these personal information and inquiries that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiries not later than 4 business days. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMP Date Updated : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I've requested a Validation of the alleged debt from Midland Credit but to date, have not received the requested information. I would like a full breakdown of the amount allegedly owed, proof that this company is licensed to collect on this alleged debt in my state, proof of my digital or wet signature used to open this alleged account, as well as proof of my consent to have this company report this alleged debt on my credit reports. If company CAN NOT provide all of the requested information, please delete this erroneous account from my credit reports so that it may no longer cause me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Carrington Mortgage bought my VA mortgage from XXXX XXXX. Ive owned the home for 16 years. In XX/XX/2021, my electronic payment from my bank did not go through. I had no idea. Later, I received a late payment notice via mail. I just assumed that it was in error ( with XXXX, I didn't always pay on the first of the month, and had 10 days before it was late... .Never had a late payment with XXXX XXXX XXXX to my recollection ). I just assumed the payment went through after Carrington sent the notice. Then in XXXX, I paid. Received a late notice. XXXX and XXXX, same thing. Because this had already happened for 3 months, in XXXX, XXXX, I actually paid attention to the date I paid the mortgage. I took the initiative to try and figure out what was going on and to my surprise, the XXXX XXXX payment was never charged to my bank account. Carrington was reatroactively applying monthly payments and charging me late fees. They never informed me that a payment was missing. They assert that they called my primary telephone number. That number was a landline number in XXXX XXXX 's database, that was discontinued more than 10 years ago. They never called me on my cell. As a result, I can't move at the end of the Summer as I had planned since XXXX XXXX requires 12 months of no late payments. This is really a problem for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: DC

Complaint narrative:
I've disputed bankruptcy twice with Experian and tell me it ' still remains on credit report. 
When I received a letter from the U.S. Federal Courts tell me they don't report to three bureaus, I will attach letter from the US Federal Courts, and Letter I sent to Experian as well.

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 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, ARS Account Resolutions has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. This account is listed on my credit in the amount of {$1300.00}. The original creditor listed is 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 2022-06-09 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 requested information/ documents on accounts that I feel were not mine and inaccurate the disputes occurred XXXX Credit bureaus have failed to conduct the proper investigation on accounts disputed. With no response for over 30 days and when receiving letters of investigation no documents where provided to prove the accounts where accurate and mine. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX the two accounts disputed.

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 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Has been sending me collection notices in the amount of {$100.00}. 
The collection has been reported as a past due balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. 
This company does not have any contract with my signature

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 2022-06-09 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 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

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 2022-06-09 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 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 2022-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried to dispute transaction made by XXXX on my Bank of America business debit card. Transaction totaling a {>= $1,000,000} cent. It started with a lower amount. As XXXX kept charging my card/account with out my authorization.I called Bank of America and disputed the transaction. Bank of America did not honer the claim. They said I did not do it in a timely manner.. it was within the 60 days of the transaction being mad.. I tried to fix it with the merchant and I got no where. The bank recommended I contact the merchant. And I did. Once I couldnt get any where I contacted the bank, thats Bank of America and now they denied my claim and my business is at risk. Im at risk of losing everything. I cant check the status of the claim, so when I called in today they said that they came to a conclusion that I did not report with a timely manner. Bank of America kept telling me that I will get a letter in the mail, and they can not send me anything else via email. Only tell me over the phone what the notes stated. That I did not file in a timely manner.

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 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
Wakefield and Associates has been sending me collection notices in the amount of {$330.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: LA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-06-09 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: TX

Complaint narrative:
In accordance with the 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

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 2022-06-09 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: TX

Complaint narrative:
In accordance with the 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
An account was opened with Barclays fraudulently, and I opened an investigation with the vendor. I received a confirmation letter from Barclays on XXXX XX/XX/2022 and it stated that the fraudulent account would be removed from my credit report within 30 days ; and it was not. Two months later it was still showing on my credit report. I reached out to Barclays about the situation, I was transferred between numerous departments without resolution. A representative informed me that they were unable to update the credit report.

After receiving the fraud confirmation letter ; 3 days later I received a collections letter from barclays.

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 2022-06-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-06-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In reference of complaint # XXXX. I found the receipt letter this collection company sent me back in XX/XX/2022 indicating that they informed XXXX, XXXX and XXXX to delete this account ( attached ). 
Obviously they have failed to. They still reporting this account and their stall tactic is that they are not able to find the account in their file. How come you can find the account to report it in my consumer report?

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 2022-06-09 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 XXXX Account # XXXX, XXXX, XXXX has violated my rights. 

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

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

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 2022-06-09 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 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

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 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Armcon Corp
State: CA

Complaint narrative:
I had been promised immediate treatment if I paid {$550.00} for a dental consultation and x-rays. The dentist took the money and did not fulfil the promise of immediate treatment to cure the pain I was in. 
I filed a dispute with XXXX on the credit card I used for payment and won a permenant credit of {$550.00}. 
The Dentist has not honored his contract as a credit card merchant and has filed with a collection agency for the dismissed debt including additional charges. The collection agency filed this collection with XXXX and caused my XXXX score of nearly XXXX points to drop by XXXX points. 
I need help with this abuse to restore my credit and force the Dentist to honor the contract he signed as a credit card merchant. I have found both the Dentist office and the collection agency to both be unethical in attempting to ruin my credit as retaliation to the unfavorable decision that was made against them in the dispute thy lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NC

Complaint narrative:
I am a victim of identity theft. Discover has an outstanding balance amounting to XXXX that does not belong to me. Contacted Discover many times and filed a police report XX/XX/XXXX. I have also disputed with the XXXX credit bureaus via certified mail on XX/XX/XXXX advising of my identity being stolen. XX/XX/XXXX I sent a follow up dispute and even with all proof I sent regarding my identity being stolen, still no resolution. I have called the credit bureaus and Discover practically every month and still no one has been able to help

Company response to consumer: Closed with non-monetary relief