vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EMCC Holdings, LLC
State: CO

Complaint narrative:
My bankruptcy was discharged as of XX/XX/2019. I filed due to my husband passing and not being able to maintain both of our financial obligations on one income. Included in this discharge was a XXXX XXXX credit Card and a Timeshare that were both successfully discharged with debt owed. 

Equiant Financial has been fraudulently reporting the timeshare as an active foreclosure debt and the XXXX XXXX credit card as active as well. 

I am attempting to buy a home now that I am retired on a fixed income and need to lock down a home to spend my days without the worry of fluctuating rental market. 

Several lenders have explained that they are unable to look past the fact that this timeshare and credit card are being reported even though they have the supporting discharge paperwork due to the flagged " foreclosure '' in their underwriting systems. 

Lexington Law claimed they had filed a dispute. I terminated our working relationship when they did not escalate this issue appropriately and now I am attempting to achieve this on my own. I have filed a complaint to XXXX ( the only bureau that is falsely reporting these discharged items. ), and I contacted the collection company that bought this item after it was discharged.

I need help getting this removed because it is heavily affecting my quality of life and my financial mobility. What more can I do to escalate and remove these fraudulent items?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates allegedly owns multiple collection " accounts '' impacting my credit score. It has been WELL over 30 days since I have disputed the debts, and submitted requests for my original contract with my original signature, an itemization of all billing on said accounts, as well as the the original purchase agreements that show they're the legal owner of the alleged debts, as well as all of the terms and conditions included in their purchase agreements. 

None of this information has been provided to me, and it has been several months since I requested the information and disputed the accounts. 

I receive well over 100 calls a month from varying phone numbers from Portfolio Recovery Associates. They have been early as XXXX, and late as XXXX. They call me on average 3-10 times a day, and most frequently at obsurdly late and early hours. I received one call from thr specifically at XXXX in this past XXXX. They are harassing me for debts they have failed to provide proof of ownership to, or proof of my responsibility for. 

The account totals are allegedly as follows : XXXXXXXX XXXX  {$2500.00} XXXX XXXX {$670.00} Their abusive calling tactics are classified as harassment, and their failure to supply the aforementioned information in a timely fashion while said alleged debts have impacted my credit score, warrants a settlement of no greater than {$1000.00} to be paid to me by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I simply can't access XXXX or XXXX. I was able to get one from Equifax last year but not now. I don't know if a previous address wasn't reported to them but I get knocked out of the online and phone applications when I answer to the best of my ability. Actually I was told today by a bank lender she couldn't verify with XXXX so she called me and said my maiden name was listed instead of my married name. ( I have a SSAN card with official married name since XXXX 2015!!!! ) So why waste my time mailing an application when who knows if my information will match theirs. This is impossible! Except for the lenders who buy from them I see. They can get the information right away. I am a XXXX XXXX XXXX veteran with XXXX trying to get a VA Mortgage and they ask me arcane questions I don't remember ( some phone number from years ago, etc. ). This is making me feel hopeless. Just get me the reports, please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I simply can't access XXXX or Experian. I was able to get one from XXXX last year but not now. I don't know if a previous address wasn't reported to them but I get knocked out of the online and phone applications when I answer to the best of my ability. Actually I was told today by a bank lender she couldn't verify with XXXX so she called me and said my maiden name was listed instead of my married name. ( I have a SSAN card with official married name since XX/XX/2015!!!! ) So why waste my time mailing an application when who knows if my information will match theirs. This is impossible! Except for the lenders who buy from them I see. They can get the information right away. I am a XXXX XXXX XXXX veteran with XXXX trying to get a VA Mortgage and they ask me arcane questions I don't remember ( some phone number from years ago, etc. ). This is making me feel hopeless. Just get me the reports, please!!!

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 2023-02-14 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: LEXISNEXIS
State: FL

Complaint narrative:
My insurance company alerted me that my credit score had gone down so they said to look into it, otherwise it could affect the cost of my car and home insurance. Always paying my bills on time including my insurance, a red flag went off, I always a near perfect score. So they got the report from Lexis Nexis and I started with them to find out what was going on. They gave me the report and there was numerous mistakes, including an address that never belonged to me, they even said there was a auto device on my car, recording how I drove. There was no such device on my car so how could anything be recorded. Best part my wife drives that car and it's hardly driven, yet they had a daily record of stoping braking.But the most harmful was a loan and a credit card in default for a long time and it was from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY. XXXX. We never heard of this Credit Union and wondered how it was on my report. I called them up and asked them what this was all about. They could not find anything under my name, or social security # as an account Also I gave them a partial acct. number XXXX XXXX listed on the report and they said there was nothing, they couldn't find a loan or credit card at all. I called back Lexis Nexis and they were supposed to look into it. They sent me some of the things that were removed but nothing on that. So far they haven't done anything about it. Needless to say it also is on XXXX and all the credit report Companies and none of them are removing it from my credit report. I even wrote the head of the credit Union, which they said to write to, and no answer back. Apparently someone used my name to open this account under to get a loan and a credit card, but why am I having on my report and no one knows why. 
I've argued with everyone to remove it because it is going to hurt everything I try to buy. 
Please help if you can, I don't know what to do anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist Bank of XXXX NC has destroyed my Personal Identity on the Current XXXX Credit File in the Claimant that is Initiating this Criminal Investigation into Fraud on XXXX XXXX XXXX with Impunity with XXXX XXXX of XXXXTruist Fraud Resolution Specialist and North Carolina Commissioner of Banks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FBI XXXX XXXX XXXXXXXX Credit File Fraud Specialist XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Investigate with Impunity Immediately!

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 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MI

Complaint narrative:
This is a debt buyer! The representative refused to provide proof of the debt and a wet ink signature stating I owe them. 

The representative was very rude and kept asking me for my visa/master-card information to pay. I do not owe this debt and I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX left my newborn baby, my wife, and myself without electricity for over two weeks while just giving us the runaround. Every day they said they would send someone to fix the electricity until they just stopped answering our phone calls. I finally had an electrician come out and change the main fuse of the house because I work from home, we have a newborn and the house runs completely on electricity, so we were even without hot water. I sent the bill to XXXX and they refused to pay it. I took it out of the rent and they continued to give me late fees. After covid hit, they tried to have me illegally evicted even though I had submitted the covid-19 memorandum. I was already leaving on the move-out date in the contract because they refused to renew my lease ( which is illegal under the covid-19 memorandum ). The day before the move-out day they said I could renew my lease, I said I only need two more weeks and they said that is fine but I needed to sign the contract or they wouldn't let me on to the gated community. On the last day of the two weeks, they came and served me with eviction papers, which I responded to and received a court date. Two days before the court day, XXXX dropped the case ( case number : XXXX ). Then I received a debt collection for {$15000.00} and when submitted the request for verification to Transworld Systems, they only sent me a photocopy of the two-week lease, which I was forced to sign or I would not be able to leave the property and if I did, I wouldn't be able to get back onto it. They are pulling {$15000.00} out of thin air. XXXX is actually fighting a class action lawsuit for forcing tenants to pay out of pocket for repairs on their dilapidated houses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TX

Complaint narrative:
Remove fraud accounts off my credit file. XXXX, XXXX XXXX XXXX, and six closed accounts XXXX XXXX bank. XXXX XXXX bank, XXXX XXXX, XXXX XXXX XXXX Are Fraud accounts.

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 2023-02-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Remove fraud accounts off my credit file. XXXX, XXXX XXXX XXXX, and six closed accounts XXXX XXXXXXXX bank. XXXX XXXX bank, XXXX XXXX, XXXX XXXX account.. Are Fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: MD

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference 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 2023-02-14 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: Experian Information Solutions Inc.
State: MD

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference 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 explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX in the early evening i noticed that i had 250+ emails. when going through the emails i noticed they were all spam with languages that could not be deciphered. I immediately decided to check my bank account. i opened my bank account on my phone and noticed monies being moved around between accounts. almost immediately i received a phone call from the fraud department from my bank. they wanted to confirm what was going on in my account. i informed them that none of that was done by me. they immediately froze my accounts. i was at the bank for the next couple of days and it was determined that someone had access to all my information and had gotten into my bank account and opened other accounts and transferred money between all the accounts. I was told by the bank that when the scammer first got access to my account they signed into my account adding themselves as users and then every time we changed the accounts, they would try to access it, and when asked for the password would say they forgot the password. since they were users they were give a new password and would again have access to my account. with the banks help i opened new accounts ( three times ) then realized that the scammers were in the new accounts before i could even get access. the bank froze my home equity line of credit and i closed all my accounts. I now have no banking accounts in my name. i had to change my email and phone number witch has made it difficult to continue using many of the aps on my phone which were tied to my old email address. i was also advised to freeze my credit with all the credit bureaus and i also purchased lifelock. I filed a police report with my local police as well. the banks fraud department have been very helpful as has the banking staff. Seems the banking is how i became aware that my identity was breached, but i also got 1300 spam emails and numerous text messages, which led to changing my email and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
My business was contacted by phone by Zwicker & Associates on XXXX XXXX, 2023. A message was left for me, XXXX XXXX, to return their call. On XXXX XXXX, 2023, Zwicker & Associates called my personal cell phone and claimed that I personally owed an alleged debt. Zwicker & Associates refused to supply any written information on the alleged debt. Zwicker & Associates forcefully tried to have all communications through electronic means, in which I strongly declined. Since five days of the initial contact, Zwicker & Associates has failed to provide any written communications, as required by law, and as requested by the consumer, via USPS mail for an alleged debt that was already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
This company has been calling everyday, even weekends multiple times per day. I told them the debt is not mines but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a Wells Fargo customer since XXXX and I recently purchased a car through Wells Fargo loan in XXXX. 

Considering that Wells Fargo was involved in a lawsuit regarding accounting mistakes with loans until XXXX, I wanted my case verified. 

I am wanting to know if my loan has accounting errors and if so, can I be compensated.

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 2023-02-14 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: SC

Complaint narrative:
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. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ***** XXXX, XXXX XXXX XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish 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 2023-02-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
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. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ***** XXXX, XXXX XXXX XXXX, XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Disputed the inaccuracy of this account four times and requested documentation from the original creditor. The information remains incorrect and XXXX refuses to provide the requested documentation.

Company response to consumer: Closed with explanation