vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting 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, XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX 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 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/2023, I initiated a balance transfer as part of a no fee, 0 % apr promo from my XXXX account to another account with a different financial institution. Unfortunately, XXXX made a critical error by inputting the wrong recipient account number during the transfer. I provided the correct recipient account number at the time of the request. 

As a result of XXXX 's error, the funds, totaling {$2900.00}, were deposited into the incorrect recipient account. I immediately contacted XXXX to report the mistake and provided them with the correct recipient account number. They assured me that they would open an investigation to resolve the issue promptly. 

Despite their assurance, it has been more than a month, and there has been no resolution to this matter. Meanwhile, XXXX continues to hold my XXXX XXXX, causing me financial hardship and inconvenience. I have reached out to BPPR multiple times seeking updates on the investigation, but I have received no concrete information about when this issue will be resolved and my funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
My mother sent me money to Google Pay to help me pay my rent. Google pay asked me to verify and then told me they could not verify my account. After that they sent me an email saying they can not let me get the money off and they are giving it to authorities. Its {$900.00} that they are not giving me. I am me and I have tried to send them anything they needed and they will not give me the money my mother sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
COMPANY TRANS UNION AND XXXX, THAT WAS BUILT OFF OF XXXX CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. TRANSUNION IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. TRANSUNION AND XXXX HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS TRANS UNION IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX XXXX SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY TRANSUNION AND XXXX AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ), XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
COMPANY XXXX XXXX AND EXPERIAN, THAT WAS BUILT OFF OF XXXX  CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. XXXX IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. XXXX AND EXPERIAN HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS XXXX XXXX IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY XXXX AND EXPERIAN AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ), XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT 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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In accordance with the " Fair Credit Reporting Act ''. This account below has violated my federally protection consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX  : XXXX has violated my rights. 15 U.S.C 1681 section 602A. States i have the right to privacy. 15 U.S.C. section 604a section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 15 U.S.C 1681 c. ( 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 the records of convictions of crimes which antedates the report-by more than 7 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX and XXXX I had an influx of XXXX transfers from various users while using a XXXX party XXXX trade system called XXXX. The amounts totaled approx XXXX. Capital one has put a freeze on my acct stating that they need to do an investigation on why I am receiving so many payments. I explained that I was on a system called XXXX which uses XXXX to transfer money for credits. The rep that took my call was extremely judgmental, telling me I was a liar because one of the payments came from a users personal business. I already filed a complaint against the rep who refused to tell me his name and asked if I was being reprimanded because of something he doesnt understand. My acct is now closed with no course of action for me to ubderstabd what is happening. My bills and car note is attached, making me miss payments and affecting my credit. 

The rep also made a judgement call to terminate the banking relationship with me without even being on the call for more than XXXX total. He could see my picture and demographic details. I can tell when someone is beibg biased. 

I think its appalling that banks can freeze your money regardless of my ability to provide proof. I was told I did not need to do anything on my end which doesnt allow me to defend my actions and confirm the money was solid. CAPITAL One did not protect me as a customer by shutting away my access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
COMPANY TRANS UNION IS STILL BREAKING THE LEGAL, REAL, CONSUMER LAW WHEN IT PERTAINS TO MY CREDIT REPORT. TRANSUNION IS BUILT OFF OF SLAVERY AND THIS COMPANY WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT EVEN THOUGH TRANSUNION HAS ALL PROPER DOCUMENTATION SUCH AS FTC REPORT, ORDER TO CEASE AND DESIST WHICH TRANSUNION HAS DISREGARDED AND VIOLATED SEVERAL TIMES WHICH IS NOW SUBJECT TO LEGAL ACTION IN COURT, PROOF OF ADDRESS AND PROOF OF IDENTIFICATION. TRANS UNION CONTINUES TO BREAK THE LAW AND NOW AND HAS STILL BEEN VIOLATING ME AND MY RIGHTS AS A CONSUMER. COMPANY TRANS UNION IS IN VIOLATION OF : 1. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 
2. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 3.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 4. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 5. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 6. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 7. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 8.15 US Code 1601- CONGRESSIONAL FINDXXXX AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 11. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 12. SECTION 604 15 US Code 1681B - PERMISSIBLE PURPOSE ( FULL DETAIL ) 13. SECTION 605 A 15 US Code 1681 C-1 - IDENTITY THEFT PREVENTION ; FRAUD ALERTS AND ACTIVE DUTY ALERT 14.SECTION 506 B 15 US Code 1681 C-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT AGAIN TRANSUNION WAS PROVIDED A FULL FTC REPORT OF ALL ACCOUNTS WHICH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND TRANSUNION WILL NOT REMOVE THESE FRAUDULENT ACCOUNTS EVEN THOUGH THEY ARE BREAKING THE LAW AND THEY HAVE PROOF TO REMOVE. 
ALL VIOLATIONS THAT HAVE BEEN COMMITTED AGAINST ME, I WILL NOW BE REQUESTING {$2000.00} PER VIOLATION, PAIN AND SUFFERING, AND THE PAY OF COURT COST. THE TOTAL OF COMPENSATION IS {$50000.00}. COURT WILL BE AT A LOCAL VENUE NEAR ME. I HAVE BEEN DISPUTING THE FRAUDULENT ACCOUNTS THAT ARE ON MY CREDIT REPORT FOR YEARS. THIS SAME INFORMATION, OTHER BUREAUS HAVE REMOVED FRAUDULENT ACCOUNTS AND I DON'T UNDERSTAND WHY TRANSUNION WILL NOT REMOVE THIS INFORMATION. TRANSUNION CONTINUES TO BREAK THE LAW AND IS AWARE OF BREAKING THE LAW. REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! TRANSUNION YOU ARE BREAKING THE LAW CONTINUOUSLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
COMPANY TRANS UNION IS STILL BREAKING THE LEGAL, REAL, CONSUMER LAW WHEN IT PERTAINS TO MY CREDIT REPORT. TRANSUNION IS BUILT OFF OF SLAVERY AND THIS COMPANY WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT EVEN THOUGH TRANSUNION HAS ALL PROPER DOCUMENTATION SUCH AS FTC REPORT, ORDER TO CEASE AND DESIST WHICH TRANSUNION HAS DISREGARDED AND VIOLATED SEVERAL TIMES WHICH IS NOW SUBJECT TO LEGAL ACTION IN COURT, PROOF OF ADDRESS AND PROOF OF IDENTIFICATION. TRANS UNION CONTINUES TO BREAK THE LAW AND NOW AND HAS STILL BEEN VIOLATING ME AND MY RIGHTS AS A CONSUMER. COMPANY TRANS UNION IS IN VIOLATION OF : 1. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A.

2. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 3.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 4. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 5. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 6. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 7. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 8.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 11. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 12. SECTION 604 15 US Code 1681B - PERMISSIBLE PURPOSE ( FULL DETAIL ) 13. SECTION 605 A 15 US Code 1681 C-1 - IDENTITY THEFT PREVENTION ; FRAUD ALERTS AND XXXX XXXX ALERT 14.SECTION 506 B 15 US Code 1681 C-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT AGAIN TRANSUNION WAS PROVIDED A FULL FTC REPORT OF ALL ACCOUNTS WHICH ARE XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND TRANSUNION WILL NOT REMOVE THESE FRAUDULENT ACCOUNTS EVEN THOUGH THEY ARE BREAKING THE LAW AND THEY HAVE PROOF TO REMOVE. 
ALL VIOLATIONS THAT HAVE BEEN COMMITTED AGAINST ME, I WILL NOW BE REQUESTING {$2000.00} PER VIOLATION, PAIN AND SUFFERING, AND THE PAY OF COURT COST. THE TOTAL OF COMPENSATION IS {$50000.00}. COURT WILL BE AT A LOCAL VENUE NEAR ME. I HAVE BEEN DISPUTING THE FRAUDULENT ACCOUNTS THAT ARE ON MY CREDIT REPORT FOR YEARS. THIS SAME INFORMATION, OTHER BUREAUS HAVE REMOVED FRAUDULENT ACCOUNTS AND I DON'T UNDERSTAND WHY TRANSUNION WILL NOT REMOVE THIS INFORMATION. TRANSUNION CONTINUES TO BREAK THE LAW AND IS AWARE OF BREAKING THE LAW. REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! TRANSUNION YOU ARE BREAKING THE LAW CONTINUOUSLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have been involved with multiple fraud alerts back to back, just terrible to timing, but XXXX XXXX in a high crime area, XXXX Michigan. First fraud was a web leak I think, that got resolved. The second one happened about a week after, someone got my debit card Information somehow and withdrew all of the money in my account and spent additional money sending me in overdraft. The withdraw happened in New York, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time. I think the fraud happened at a gas station where I used my card on XXXX. 

The following are the fraudulent transactions : XX/XX/XXXX : - {$63.00} at XXXX XXXX XXXX, XXXX XXXX, XXXX - {$500.00} withdraw, XXXX XXXX, XXXX - {$3.00} balance inquiry, XXXX XXXX, XXXX - {$3.00} foreign atm fee, XXXX XXXX, XXXX XX/XX/XXXX : - {$28.00} at XXXX, XXXX XXXX Plus overdraft fees because it was all of the money I had, that being {$35.00} overdraft fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
In XX/XX/2019, I was not in the right mental state and, subsequently, was admitted to a mental health facility. It was during this time that I obtained the loan from OneMain Financial. I was advised by a representative from your company that obtaining this loan would help build my credit. However, I was also coerced into purchasing additional insurance as a precautionary measure. 

As a result of the XXXX XXXX I faced significant challenges in paying off the loan, as I was unable to work due to my mental health condition. I was informed that I needed to be collecting unemployment to qualify for the insurance coverage that would assist in paying the monthly bill. This placed me in a precarious financial situation, compounded by the fact that I was also undergoing outpatient treatment for my mental health. 

It has come to my attention that the CFPB has issued an order against OneMain Financial for deceptive sales practices and failure to refund interest charges to customers. This order highlights the unethical practices that were employed during my interaction with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Lack of Knowledge : I have no knowledge of these accounts, and I have never entered into any financial agreements or transactions with the aforementioned creditors. The information provided is unfamiliar to me. 
Incorrect Reporting : The account balances mentioned are inaccurate. I have never received statements or correspondence related to these accounts, and I believe that this information has been reported in error. 
Request for Verification : I kindly request that you provide validation of these accounts, including any supporting documentation such as account statements, contracts, or records of transactions. I would like to verify the legitimacy of these claims. 
I understand that it is essential to maintain accurate credit reports, and the inaccuracies listed above are negatively impacting my creditworthiness. I am dedicated to resolving this matter promptly and ask for your assistance in investigating and rectifying these discrepancies. 

I request that you promptly initiate an investigation into these disputed items in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response detailing the results of the investigation. If it is determined that these items are indeed inaccurate or can not be verified, I request their removal from my credit report. 

Please acknowledge receipt of this dispute letter and provide a reference number for my records. You may contact me at [ Your Phone Number ] or via email at [ Your Email Address ] to discuss any further information or documentation required to resolve this matter. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime closed my account in XXXX of this year and I have emailed them over XXXX times and over XXXX phone calls. And still no nothing. Now they say I have no more funds available. It was IRS stimulus checks that they had of mine in the amount of {$2000.00}. They keep telling me they was handling it and I should be getting a closer check but 6 months later still nothing and now they say there is no funds available to me. No one should have to go thru what I have went thru just to get what is rightfully there's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting 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:
I requested to Have item removed because I Am a victim of fraud they said information was verified which is False I requested Proof of Validation They failed to reply its been past 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 2023-09-18 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
In accordance with the Fair Credit Report act XXXX  Account XXXX XXXX XXXX # XXXX XX/XX/XXXX {$570.00}, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX {$12000.00}, XX/XX/XXXX {$12000.00} has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting 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:
Hey I am trying to dispute this off my credit report. I do not know how this got on my credit I have reach out to the company and they said they can not do anything. I am a Jr so anything that's on my credit should say XXXX XXXX XXXX XXXX can we please have these accolade off my credit. 

XXXX XXXX : Date XXXX Total : {$17000.00} XXXX XXXX : Date : XX/XX/XXXX Total : {$240.00} XXXX XXXX : Date : XX/XX/XXXX Total : {$1400.00} Credit Collection Servic : Date : XX/XX/XXXX Total : {$100.00}

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 explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This is a follow up from a previous complaint ( XXXX ) filed onXX/XX/2023. I filed a complaint against another collection company and it was closed due to fraud. The alleged debt was obviously sold to a different another debt and they are trying to collect the same debt which is a fraudulent account. Please see attached letter. Furthermore, IC System is not an authorized debt collector for the state of XXXX per XXXX Therefore, I demand this illegitimate debt buyer cease further communication with me immediately. I also demand the alleged debt be removed from my credit reports immediately if it has been reported to the credit reporting agencies.

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