vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to express my dissatisfaction NATIONAL CREDIT SYSTEMS with your recent attempt to collect a debt from me regarding my purported overdue balance of {$15000.00}, allegedly owed to XXXX XXXXXXXX XXXX XXXXXXXX XXXX, overdue balance of {$8700.00}, allegedly owed to XXXX XXXX XXXX XXXX, overdue balance of {$5400.00}, allegedly owed to XXXX XXXX XXXX XXXX, with a total balance of {$29000.00} between 3 different separate accounts from 3 different companies being reported by NATIONAL CREDIT SYSTEMS. You are also in violation of 15 U.S. Code 1692e ( 10 ) False or Misleading Representations. Cease the reporting of the fraudulent items being reported immediately. I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I do not have any contract with NATIONAL CREDIT SYSTEMS. These accounts are fraudulent and does not belong to me, I have attached a FTC report along with this document. I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.Someone has opened up a fraudulent accounts in in my name that is now reporting to my credit. The following account NATIONAL CREDIT SYSTEMS ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ), NATIONAL CREDIT SYSTEMS ( Original Creditor : XXXXXXXX XXXX XXXXE XXXX  ), NATIONAL CREDIT SYSTEMS ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ). I have never had an account with none of those companies. Cease the reportingof the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and I do not have any contract with NATIONAL CREDIT SYSTEMS.I am requesting the following XXXX.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency XXXXA formal apology from NATIONAL CREDIT SYSTEMS for the violation of my rights under the FDCPA. XXXXCompensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. XXXXReimbursement of any legal fees incurred in addressing this matter. If these demands are not met within upon of receiving this letter or 30 days of the XX/XX/year> of this notice, I will be led with no choice but to pursue legal action against NATIONAL CREDIT SYSTEMS in small claims court to seek the afore mentioned remedies and compensation for the violations of my rights as a consumer under the FDCPA. I have attached a copy of my ID, FTC report, and notice letter sent to NATIONAL CREDIT SYSTEMS. ( Please see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX According to 15 USC 1692c ( c ), I am hereby notifying you in writing that I refuse to pay this debt and demand that you cease all further communication with me, except as required by law.

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 2024-07-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX According to 15 USC 1692c ( c ), I am hereby notifying you in writing that I refuse to pay this debt and demand that you cease all further communication with me, except as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX FRAUDULENTS HARD inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse hem of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16816-2 ( A ) ( a ) A person shail not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to information is inaccurate. 

Delete these hard inquiries accounts below 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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My deceased husband had mortgage with ex wife. loan was both their names. She done quit deed on the property and doesnt want it. I have paid the mortgage since XXXX  ( almost ( {$50000.00} ) Chase refuses to talk to me and I want to finish the payments. They wont take money from the principal and just add more months prepaid. I need to finish this as I am XXXX and dont need the stress.loan is with Chase acc # XXXX. I should now only be owing {$32.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting 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:
I recently checked my credit report and there are numerous addresses that I never lived at, seem to be Fraudulent, or are old and obsolete. Having all of these addresses on my report makes my credit profile look risky and hinders me from obtaining credit. The only Address that should be showing is my current address : XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX Please remove any other address from my report. I have included a copy of my driver 's license, Utility Bill and a copy of my social security card to verify my current address and identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting 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:
I recently checked my credit report and there are numerous addresses that I never lived at, seem to be Fraudulent, or are old and obsolete. Having all of these addresses on my report makes my credit profile look risky and hinders me from obtaining credit. The only Address that should be showing is my current address : XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX Please remove any other address from my report. I have included a copy of my driver 's license, Utility Bill and a copy of my social security card to verify my current address and identity.

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 2024-07-17 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: FL

Complaint narrative:
Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
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 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 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: IN

Complaint narrative:
Beginning in the XXXX  I received numerous calls from a woman who said she was from Diversified Adjustment Services asking that I return her call. I did not. There was no indication that this involved an attempt to collect a debt or who was the creditor. I then was notified of a debt collection action on my credit report and learned that the creditor was XXXX. The amount of the debt was listed as {$240.00} but increased to {$240.00}. I do not owe XXXX any money. I have attached a letter from XXXX XXXX dated XX/XX/year> stating that it is a revised final bill and indicating that I owe nothing. I have initiated a dispute with each of the 3 credit reporting agencies and provided each a copy of this letter. 
Each credit reporting agency responded that the debt had been verified as accurate. There was no mention of and certainly no explanation of this letter. The letter is determinative. I request that the collection action be deleted from each of my reports and that any company requesting credit information on or after XX/XX/XXXX be advised that the listing of the collection was in error. The collection agency is Diversified Adjustment Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. XXXX Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXX XXXX  Name of a company representative that you spoke to : XXXX XXXX Company 's phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXX XXXX  Name of a company representative that you spoke to : XXXX XXXX XXXX XXXXXXXX XXXX phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : 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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXXXXXX XXXX  Name of a company representative that you spoke to : XXXX XXXX XXXXXXXX XXXX phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXX XXXX  Name of a company representative that you spoke to : XXXX XXXX XXXX XXXXXXXX XXXX phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : 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 2024-07-17 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
TransUnion allowed 58 inquiries for fraudulent car purchase despite fraud alert on acct XXXX allowed 82 inquiries for fraudulent car purchase despite fraud alert on acct XXXX allowed 65 inquiries for fraudulent car purchase despite fraud alert on acct I called all 3 bureaus and asked they be immediately removed and filed a FTC report as well and nothing yet

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX allowed 58 inquiries for fraudulent car purchase despite fraud alert on acct XXXX allowed 82 inquiries for fraudulent car purchase despite fraud alert on acct Experian allowed 65 inquiries for fraudulent car purchase despite fraud alert on acct I called all 3 bureaus and asked they be immediately removed and filed a FTC report as well and nothing yet

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 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MY CURRENT NAME AND ADDRESS AS OF XX/XX/year> IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I contacted Macys customer service in the middle of XXXX when I realized I had made an error and accidentally paid the bill XXXX times. I requested a refund of the second payment for {$400.00}. I was advised that they would need to research my inquiry and confirm before they would be able to issue the refund. 

I received a form letter dated XX/XX/year>, confirming the investigation that is being completed to confirm my request. 

I received a second form letter dated XX/XX/year>, indicating that A refund of {$400.00} has been sent directly to my bank account and that I can expect to see that refund show up within XXXX to XXXX business days. 

On XX/XX/year>, I contacted Macys and was informed that a check had been sent to me on XX/XX/year>, which conflicts with the form letter stating that the refund would be deposited into my checking account. I explained that I had not received this paper check and was told to give it additional time to show up. 

On XX/XX/year>, I contacted Macys customer service again, and once again explained that I had not received the refund check in the mail nor into my bank account as a direct deposit. The associate confirmed my address and Advised me that the check would be re-issued and mailed in a plain white envelope. 

On XX/XX/XXXX, I contacted Macys customer service again and was told that the check had not yet been sent but now that I had confirmed my home address it would be sent out. My home address has not changed in over 10 years. Macys has my correct address and I have received my billing statements and the XXXX form letters pertaining to this matter. 

Today is XX/XX/year>, and I have still not received any check or direct deposit for the amount of {$400.00} that was requested in XXXX. I am completely frustrated with the lack of follow through and the sheer incompetence and inability to receive the {$400.00} refund that I requested in XXXX. 

Please assist with helping me resolve this matter.

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 monetary relief
Consumer complaint received 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that 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 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am not liable to any debt from CCS COLLECTIONS and XXXX XXXX XXXX I have no contract with CCS COLLECTIONS and XXXX XXXX XXXX they cant provide no original contract from CCS COLLECTIONS and XXXX XXXX XXXX I need this to be removed from my REPORT AND MY LIFE

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unified Global Solutions LLC
State: OK

Complaint narrative:
They contacted me said they company was unified global XXXX and threatened to sue me and garnish wages they were very hostile and mean and said the Federal trade commission was liars because I contacted FTC about it and they said that company was banned from debt collection said I owed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: Veros Credit, LLC
State: AZ

Complaint narrative:
This is in continuation from the response from Veros Credit of my original complaint at the beginning of XX/XX/XXXX. Once again, the information that theyre responding to is not addressing my complaint, they continuously try to validate information when that is clearly not what XXXX asking nor complaining about. First of all they are indicating is a is a so-called XXXX XXXX XXXX XXXX However, last year Veros Credit responded And said that I purchased a XXXX XXXX XXXX Not to mention that you dont have your information correct because you received your information from XXXX  XXXX XXXX without my permission. 

My complaint once again according to your response on XX/XX/XXXX, that you claim that I went into a retail sales contract with the company by the name of XXXX XXXX XXXX. But somehow, you ( Veros ) received my information In which I had no recollection of nor gave permission to do so and you created an account for me Using my personal information like my Social Security number without my permission. This is literally identity theft. You are directly violating XXXX XXXX code XXXX a, b and XXXX XXXX code XXXX Which protects consumers for companies like yourself that access a consumers information without their written consent or verbal consent. Once again, this is identity theft. 

To make this clear, my complaint is that you have stolen my identity and reported my personal information to the XXXX credit bureaus Written or verbal permission. This is a direct violation of consumer law. So my complaint is have you stolen my identity and given it to another company to report negative information on my personal credit reporting report? This is my issue. I dont need you to validate any information with any payments as that is not my issue with your company or my complaint with your company. I have a right to privacy, and you have violated by giving other companies or persons my personal information without my permission. 

For the last time I strongly advise you to take the correct steps to remove this information from your records and contact any other company, including the credit bureau and XXXX XXXX XXXX and make them aware that this is a violation to XXXX of these companies remove this negative reporting information from my report Immediately. If you avoid our specific complaints this time, we would have to move further with legal action as you continuously and voluntarily refuse to add to consumer law specifically the ones quoted above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation