vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE & WEINER COMPANY INC is the collection agency, XXXX XXXX is the original creditor. After receiving a collection letter, I immediately called and spoke with XXXX. I was informed to email connectcw.com and I would receive a response. Well, I have not. I also told him I am a victim of identity theft and the debt is fraudulent. When I received the collection letter, I checked the box that reads " check here if you dispute this debt, then mailed it to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX. '' When I called on or around XXXX - XXXX, the representative was rude, however I still informed XXXX XXXX XXXX ) that I am disputing the debt. I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs. The countless letters I mailed, I've asked them to PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. On XX/XX/2022, I also notified the XXXX  serving XXXX XXXX in regards to my complaint # XXXX. The company hasn't responded, therefore, XXXX  closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit Bureaus will not remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX I've been submitting disputes for months now and they refuse to remove these accounts. These accounts are not mine I have even submitted a police report regarding this matter please expedite the removal of these items from 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 2022-03-30 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: NY

Complaint narrative:
Credit Bureaus will not remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX I've been submitting disputes for months now and they refuse to remove these accounts. These accounts are not mine I have even submitted a police report regarding this matter please expedite the removal of these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX  XXXX XXXX, fraudulent account opened, XX/XX/XXXX- {XXXX} - A fraudulent account was opened in my name at XXXX XXXX XXXX. 

Wellsfargo Bank, fraudulent account opened, XX/XX/XXXX- {$12000.00}.

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 non-monetary relief
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing today because I am shock how poor attention and lack of investigation XXXX, Transunion, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX The first error date open Transunion is XXXX XX/XX/XXXX while XXXX and XXXX is XXXX XX/XX/XXXX. 

The second error close date Transunion is reporting XX/XX/XXXX while XXXX and XXXX does not have a closing date. 

The third error account status Transunion and XXXX is reporting closed while XXXX is reporting open. 

The fourth error payment status Transunion and XXXX is reporting current while XXXX is reporting late 150 days The fifth error last payment Transuinon and XXXX is reporting XX/XX/XXXX and XXXX does not have a date. 

The last error credit limit Transunion and XXXX is reporting {$2100.00} and XXXX is reporting {XXXX}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 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 non-monetary relief
Consumer complaint received 2022-03-30 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: NY

Complaint narrative:
I am writing today because I am shock how poor attention and lack of investigation Experian, XXXX, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX  The first error date open XXXX is reporting XX/XX/XXXX while Experian and XXXX is reporting XX/XX/XXXX. 

The second error close date XXXX is reporting XX/XX/XXXX while Experian and XXXX does not have a closing date. 

The third error account status XXXX and Experian is reporting closed while XXXX is reporting open. 

The fourth error payment status XXXX and XXXX is reporting current while Experian is reporting late 150 days The fifth error last payment XXXX  and Experian is reporting XX/XX/XXXX and XXXX does not have a date. 

The last error credit limit XXXX and Experian is reporting {XXXX} and XXXX is reporting {$0.00}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Resolution Corporation
State: IL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ACCOUNT RESOLUTION CORPORATION for committing identity theft. I have never given ACCOUNT RESOLUTION CORPORATION any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ACCOUNT RESOLUTION CORPORATION before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ACCOUNT RESOLUTION CORPORATION can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Debt Collector ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Debt Collector ) continues its collection efforts, I will file for litigation for actual damages caused and ( Debt Collector ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby 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 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Hello, I was looking for used XXXX XXXX in XXXX XXXX  and got an offer as well. Ive agreed to pay {XXXX} as initial amount for total price of {XXXX} and transfer to the persons XXXX mobile # ( XXXX ) XXXX on XX/XX/XXXX. When I checked with the person on XX/XX/XXXX there was no response and no one picked the call too. When I contacted through text message on the same, I got a response saying its a wrong number. When I explained about the ad conversion, after that no response from the person and mobile was switched off. Pls take right action against this scammer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have sent numerous letters to XXXX XXXX and XXXX to have the following accounts removed from my credit report. 
unknown account # XXXX XXXX account # 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 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc
State: GA

Complaint narrative:
I bought tires using flexshopper, I had a house fire XX/XX/XXXX and have been having to live in a hotel waiting on home repairs. I told flexshopper that with the added cost of living in a hotel i could not keep up my payments but when i got back in my house and back on my feet i would get the payments back on track. They told me they would repo my tires and report negatively to all three credit agency 's. They call 5 to 6 times a day, every day. For example XX/XX/XXXX they called at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. J have asked them to stop and i would contact them when i could start paying again. They call so much I have XXXX XXXX every time my phone rings.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: CA

Complaint narrative:
XXXX, XXXX and Equifax has criminally turned a blind eye on MULTIPLE occasions even AFTER I have provided COURT DOCUMENTS stating no such accounts exist and NO monies are owed! Including but not limited to UNREBUTTED affidavits of truth submitted to the alleged " original creditors '' to which they did not respond accordingly via affidavit of truth. There is no substance, truth or first-hand knowledge to such alleged accounts, and are elaborate mechanisms fueled by conspiring ( kickbacks ) with original creditors to funnel credits back and forth at the expense of the unsuspecting consumer and FULLY BENEFITING THE CONSUMER REPORTING AGENCIES ( which are not even real BUREAUS ), they are impersonating federal agencies through deceptive and clever means of the companies purpose. These fraudulent accounts have been enforced through deception and negligent reporting. Consumer reporting agencies have NO PROBABLE EVIDENCE ; NO PERMISSIBLE PURPOSE ; NO WRITTEN CONSENT and HAVE VIOLATED MY RIGHTS FOR YEARS!

Court documents & affidavits have been sent via The United States Postal Service as witnesses over to the alleged " original creditors '' in regards to the questionable validity of these fraudulent accounts and have been denied FULL DISCLOSURE AND PROBAbLE EVIDENCE. I have sent a final demand for compliance to Transunions legal department demanding they provide probable evidence, contracts, security agreements, tradelines ; any and ALL and FULL DISCLOSURE/FULL ACCOUNTING/LEDGERS/TAX FORMS AND INSURANCE POLICIES pertaining to XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CA

Complaint narrative:
XXXX, Experian and XXXX has criminally turned a blind eye on MULTIPLE occasions even AFTER I have provided COURT DOCUMENTS stating no such accounts exist and NO monies are owed! Including but not limited to UNREBUTTED affidavits of truth submitted to the alleged " original creditors '' to which they did not respond accordingly via affidavit of truth. There is no substance, truth or first-hand knowledge to such alleged accounts, and are elaborate mechanisms fueled by conspiring ( kickbacks ) with original creditors to funnel credits back and forth at the expense of the unsuspecting consumer and FULLY BENEFITING THE CONSUMER REPORTING AGENCIES ( which are not even real BUREAUS ), they are impersonating federal agencies through deceptive and clever means of the companies purpose. These fraudulent accounts have been enforced through deception and negligent reporting. Consumer reporting agencies have NO PROBABLE EVIDENCE ; NO PERMISSIBLE PURPOSE ; NO WRITTEN CONSENT and HAVE VIOLATED MY RIGHTS FOR YEARS!

Court documents & affidavits have been sent via The United States Postal Service as witnesses over to the alleged " original creditors '' in regards to the questionable validity of these fraudulent accounts and have been denied FULL DISCLOSURE AND PROBAbLE EVIDENCE. I have sent a final demand for compliance to Transunions legal department demanding they provide probable evidence, contracts, security agreements, tradelines ; any and ALL and FULL DISCLOSURE/FULL ACCOUNTING/LEDGERS/TAX FORMS AND INSURANCE POLICIES pertaining to 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 2022-03-30 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: SECURITY FINANCE CORP
State: LA

Complaint narrative:
On XX/XX/2022 I received an alert from XXXX stating that I had an inquiry at Security Finance. I did not visit this business nor did I speak to anyone on the phone concerning a loan. When I called to see why my credit report was obtained, I was informed by the manager that she mistakenly ran my credit. I'm not exactly sure how someone can do this by mistake because an application has to be completed in order to apply for a loan, and my social would not have been on this application because I never completed one. She informed me that the she had to contact her supervisor to get the inquiry removed. I filed a dispute with XXXX and the result was that it was legitimate. They did not even contact the company, yet told me that I had to contact them to get it removed. Here we are nearly a month later and this inquiry is still on my credit report which has decreased my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have filed multiple complaint against company Portfolio Recovery in the past few months. The first was a request to validate three alleged debts they are claiming I owe. Pursuant to 15 USC 1692G, Portfolio has to provide 5 parts when a consumer request a validation. The company only satisfied only two of those requirements. Second, I sent the company a letter asking them to delete these inaccurate, fraudulent and frivolous negative items off of my consumer reports because they are all canceled debts that was reported to IRS, these charge offs reporting on my consumer reports are illegal. The company is in violation of the many law under the FDCPA. This company knows that they are in violation but continues to break the law. Something has to be done to protect consumers from vicious collection agencies like Portfolio Recovery. They are ruining consumers lives in their way of practice. This company has not provide all that is required as per the law to validate these alleged debts, they are committing tax fraud for trying to collect for canceled debts, they are did not respect my cease and desist request by continuing to report these alleged debts on my consumer reports.

Company response to consumer: Closed with explanation