vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Services, Inc.
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was informed from my credit monitoring service with XXXX that my personal information was listed on the Dark Web. A few weeks later, I was alerted about some new inquiries on my credit report. I reported the incidents to the FTC and created a report to submit to the credit bureaus that reported the information. The unauthorized inquiries are still reporrting on my 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S. Code 1681i A 1a 15 U.S. Code 1681i A 4 15 U.S. Code 1681e - b 15 U.S. Code 1681 - 1 15 U.S. Code 1681 - 2 15 U.S. Code 1681 - 4 On XX/XX/XXXX I disputed a negative item directly through Experian and XXXX that was furnished to my consumer reports by XXXX XXXX on behalf of my former employer/landlord XXXX XXXX XXXX XXXX Apartments on XX/XX/XXXX. 

In my dispute I provided proof that the debt did not exist and should have never been in hands of XXXX because XXXX actually owed me money even after this negative item was furnished to my consumer reports. 

On XX/XX/XXXX, This item was deemed as accurate and was simply updated. There is no way a proper investigation could have been done by either party because the whole account is inaccurate I showed that as an employee, my rent was deducted from my paychecks. My last date of employment was XX/XX/XXXX. I was scheduled to receive my final paycheck XX/XX/XXXX. On that date I received a check for {$0.00}. Even though I was owed money for my PTO. 

I was told they were holding onto my funds for the same alleged debt they assigned to Pro-collect. They sent my account to collections while still owing me money making the debt invalid. 

Upon discovering this Item I reached out to both lumacorp and pro collect to fix the matter and have it removed, and to get the money I was owed. 

On XX/XX/XXXX, XXXX sent me my final paycheck further proving I didn't owe them anything and this account should not exist and violating my rights in so many different ways.

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 2022-04-14 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: FL

Complaint narrative:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2022-04-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On two occasions Wells Fargo debited overdraft fees from my XXXX account for prior day transactions which did not cause an overdraft, specifically on XX/XX/XXXX my account was debited {$35.00} x 3 for a total of {$100.00} for 3 transactions of XX/XX/XXXX yet the account was never in a negative balance as a result of any or all of the transactions, closing in positive numbers. Likewise on XX/XX/XXXX, my account was debited {$35.00} x 2 a total of {$70.00} for 2 prior day transactions that did not cause overdraft.

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 2022-04-14 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: AZ

Complaint narrative:
Ive reached out to the collection company with no success. Ive tried disputing several times with no success. Ive also asked the collection company to provide contact information of the alleged creditor so I may discuss with the source. They state they do not have that XXXXnformation or refuse to provide it. How am I being charge or held accountable for an alleged service that I can not verify. This is misuse of treatment and unfair. I demand I get a valid opportunity to dispute this

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 2022-04-14 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: Mercedes Benz Financial Services
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX. I am filing this complaint for my self. THIS IS NOT A DUPLICATE COMPLAINT. THIS COMPLAINT HAS NOTHING TO DO WITH THE CARES ACTS. MERCEDES BENZ FINANCIAL SERVICES is in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting late payments on my consumer report for an account with [ account # : XXXX ] 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 ; MERCEDES BENZ FINANCIAL has been reporting late payments which are transactions. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU, MERCEDES BENZ FINANCIAL ) Making the report is NOT INCLUDED on my consumer report! A late payment is a transactional history. This is my HISTORY with your company and CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting these transactions and experiences on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment History or delete all late payments from the accounts [ account # : XXXX I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts. If MERCEDES BENZ FINANCIAL SERVICES continues to report late payments on my consumer report I will file for litigation for actual damages caused and MERCEDES BENZ FINANCIAL SERVICES will be held criminally liable for willful noncompliance pursuant to 15 USC 1681n. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

1

5 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 2022-04-14 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: TX

Complaint narrative:
15 U.S. Code 1681i A 1a 15 U.S. Code 1681i A 4 15 U.S. Code 1681e - b 15 U.S. Code 1681 - 1 15 U.S. Code 1681 - 2 15 U.S. Code 1681 - 4 On XX/XX/XXXX I disputed a negative item directly through XXXX and Equifax that was furnished to my consumer reports by XXXX XXXX on behalf of my former employer/landlord XXXX XXXX XXXX XXXX Apartments on XX/XX/XXXX. 

In my dispute I provided proof that the debt did not exist and should have never been in hands of XXXX because XXXX actually owed me money even after this negative item was furnished to my consumer reports. 

On XX/XX/XXXX, This item was deemed as accurate and was simply updated. There is no way a proper investigation could have been done by either party because the whole account is inaccurate I showed that as an employee, my rent was deducted from my paychecks. My last date of employment was XX/XX/XXXX. I was scheduled to receive my final paycheck XX/XX/XXXX. On that date I received a check for {$0.00}. Even though I was owed money for my PTO. 

I was told they were holding onto my funds for the same alleged debt they assigned to Pro-collect. They sent my account to collections while still owing me money making the debt invalid. 

Upon discovering this Item I reached out to both lumacorp and pro collect to fix the matter and have it removed, and to get the money I was owed. 

On XX/XX/XXXX, XXXX sent me my final paycheck further proving I didn't owe them anything and this account should not exist and violating my rights in so many different ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Opened on XX/XX/2021, The amount of {$220.00} others is the charge.I have already disputed this and it was removed and they continued putting it back on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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: GA

Complaint narrative:
Hi Equifax has enter a secure loan if mines twice. The company name is XXXX XXXX and XXXX XXXX XXXX. This is one acct, not two loans. I tried to solve it but didn't get any where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I consumer XXXX am filing a complaint against the CRAs for reporting information on my consumer report that was obtain illegally. I have contacted the clerk, XXXX XXXX, at the XXXX Bankruptcy Court to confirm if they shared a discharged bankruptcy on my name with any of the CRAs. The clerk 's office confirmed that they do not share such information with the consumer reporting agencies. I contacted XXXX, they confirmed that this reporting is no longer in their system, I reached out to all three TransUnion, XXXX, and XXXX to confirm where they are getting information of such bankruptcy that is being reported on my consumer report they all stated that it has been verified. I have no idea where they are confirming this information with, they are reporting information that was obtained legally because I did not consent of such reporting on my consumer reports and the court confirmed that they did not share any information with the CRAs. The CRAs are ruing consumers lives by violating the laws that are in place to be followed, they are intentionally reporting negative information. That is outrageous and something needs to be done about this.

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 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
I have disputed this account multiple times, it has been deleted and is now showing on my credit report again. This is an account resulting from identity theft and has already proven to be so. This should not be a recurring collection showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed this account multiple times, it has been deleted and is now showing on my credit report again. This is an account resulting from identity theft and has already proven to be so. This should not be a recurring collection showing on my account.

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 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
Please close our loan so we may get our keys to our home, we have had our first loan XXXX approval with assistant of {$23.00} then we only needed XXXX that lone Then we had the other loan {$57.00} with approval but with XXXX down, they found a new loan to cover the whole thing just need it score XXXX my score XXXX makes no sense somethings not right XXXX score was at XXXX dropped XXXX points something went wrong I have paid to help his Score to go up should go up to at least XXXX Or over After talking to XXXX His score was pulled twice Can they please close our loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14 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: NJ

Complaint narrative:
On or about XX/XX/XXXX I checked my Equifax credit score on XXXX and found that it had dropped by XXXX points, from XXXX to XXXX. I verified this score drop on the XXXXequifax.com website. Both sites indicated that there had been no reporting of activity from any of my banks since XXXX of XXXX. This was a blatant error, which I verified with XXXX  XXXX XXXX. I filed a dispute with Equifax on XX/XX/XXXX requesting an explanation and phoned them on XX/XX/XXXX. In my initial phone call, their representative indicated that the score that she saw was higher than the XXXX that I was seeing on my account on their site. She kept me holding for approximately 30 minutes while she attempted to find an explanation and finally terminated the call with no warning. I phoned again and the second representative insisted that the reason for the drop was that there was no activity on any of my accounts. I attempted to explain otherwise to him and showed him specifically where the XX/XX/XXXX date was in error. Again, the website did not agree with the data he was seeing and he was unable to tell me why. I am attaching screen shots of my information as shown to me on the Equifax website. All account data is inaccurate. For example, I use the XXXX  XXXX XXXX credit card on a daily basis and have done so for many years. The " Date of Last Activity '' of XX/XX/XXXX is totally inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I called XXXX  XXXX XXXX  XXXX and informed them that I was leaving my apartment as of XX/XX/XXXX. They continued to charge me for the apartment for 2 more months. I called to try to resolve this and they told me that there was nothing I could do, so I called my bank and told them this was not a valid charge. I do not owe this debt. This was a mistake made by the power company. My address was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL. I gave them at least 2 weeks notice before leaving. I'm in my XXXX, and my credit means everything. Please help me to resolve this.

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 2022-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX, my auto payment was returned, this was my fault as I had used the wrong bank account. As soon as I realized, the mistake I made a payment online. After making the payment I began receiving calls that I was past due. After talking it over, they told me that my payment I made online was for principal and did not count. They would fix the issue. About a week goes by and I start getting calls again, they state that I am past due. I explain the situation again and I look on the website and no where on the wesbite does it show that the payment I am making is for principal and not for my normal payment. I call back again to see if they fix the issue, because my online account is showing I am past due. The lady on the phone tells me that it is fixed on their end and that it takes about a week for it to be updated on my end. 

My issues are : 1. Their website does not explain that the payment goes to principal.

2. Taking a week to update the consumer facing website is too long, that should be instant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
I applied for a quick payday loan for {$1200.00} to have it paid off they are charging 642.59 % APR. Which I feel is an unfair rate for such a small loan. i can pay off the XXXX but do not wan na pay over XXXX XXXX dollars interest

Company response to consumer: Closed with explanation