vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 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: MD

Complaint narrative:
Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX 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 explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMS-Recovery Management Services, Inc.
State: MS

Complaint narrative:
I have attempted to resolve this issue previously with this company Recovery Management System ( RMS ). Upon my own recent discoveries, per XXXX, this agency is not authorized to collect a debt in neither of the two states that this alleged debt was incurred. I am curios to know why this agency has taken adverse actions against me, such as posting inaccurate information to my credit file, when their not even licensed to do business in neither XXXX nor XXXX, per XXXX. I have been violated and my consumer credit file has been damaged as a result of unfair and deceptive practices. 

Furthermore, I have not received any contracts showing a perfect obligation of me, the consumer, to pay this agency. I have not authorized this agency to have access to my non public information, and, as a result, I have been harassed about this alleged debt and my credit report has been damaged as well. My confidence in commerce has been lowered due to the lack of integrity of this agency.

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 2023-01-06 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:
The issue seems to be that IC Systems claims that I owe XXXX XXXX XXXX XXXX an amount of XXXX. IC Systems also made a delinquent remark on my credit report. When I requested them details and breakdown of amount and my permission for services solicited IC Systems never provided it. 

Instead they said I had paid it and closed the delinquency charge but left it showing as delinquent for XXXX months. When I stated that I had not paid a single penny and why they closed it and left it as delinquent for XXXX months they re-opened on the outstanding amount. 

XXXX does not allow for the website to allow for reopening the dispute. So I had to call them and manually open a dispute. 

My chief complaint with IC Systems is that they have not provided me with details of delinquency charges but continue to report it. I have contacted them in writing and they have not responded. 

I received a call from IC Systems using a number " XXXX '' and spoke to XXXX. She asked me if I was disputing the debt I said yes. I also informed her that I had requested details of the debt and my authorization and for proof of having requested the service she/or XXXX claimed XXXX me. I have had no documented proof of the same either from IC Systems or XXXX. 

I also informed her that despite me not having paid any amount the debt was flagged as paid, closed. This is incorrect and paints my credit in a bad light. 

She then offered to settle the 'outstanding " debt for half the amount. I said I would not pay a single penny until I see proof of my authorization for services they ( XXXX and or IC Systems ) claim I requested. She mumbled some response that I was not able to comprehend. I also asked her how can they mark it as Paid when I had not paid any amount. If I had paid as IC Systems says then why are they demanding half the amount as per the recorded call. She said they will leave it like that and IC Systems would not take further action. 

I request that CFPB request them for proof of the transaction or remove any mention of debt or collection. 

In summary I have requested in writing and orally proof of details of the debt being claimed and they are not providing the same. As a honest citizen please assist me in getting assistance to resolve this matter. 

Thank you. 

XXXX XXXX XXXX : My letters to IC System are enclosed.

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 2023-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient has hidden a student loan from XXXX till XXXX. 
I was sued in XXXX. I was sued in XXXX. I was sued in XXXX. I made arrangements in XXXX to pay all my student loans from Navient and I never missed a payment. I had 3 student loans. I provided all documentation. 
As paying off those loans is coming true Navient has thrown the surprise 'you have a 4th " student loan. My last complaint discussed how they hid from all law suits this last loan. Now 'it 's hey you owe us all the money plus interest ' when it was never once mentioned in any legal proceedings against me, all of which were dismissed because I paid all my bills on time. 
I just paid the same amount I always paid on a loan because I assumed this was one of the ones I'd been sued on. I don't understand how a 4th one is hidden and it's legal to say 'surprise you owe more. ' The response to my previous complaint XXXX was basically 'here is the promissory note ' that I have no memory of as it was signed apparently in XXXX. The response does not answer any of my complaints of hiding a student loan from all collections for over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX$180.00} XXXX  Collection agency : Finance system of rich

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: SANTANDER HOLDINGS USA, INC.
State: FL

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.

Complaint narrative:
I opened an account at the BBVA bank that did not have any charges, then this bank was acquired by PNC bank and without any authorization from me they began to deduct monthly money from the account. 

I call customer service without any solution. They say that since I have never used my account they can not attend me. I have to go to a branch. I tell them that I live in XXXX and I can not go to a branch. 

My request is that the charges made from the account be returned and that the account continue with the same conditions that were agreed with the BBVA bank. 

Account number 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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 2023-01-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I changed phone service provider from XXXX to XXXX  on XX/XX/2022 and before transferring provider, the new provider has to call previous provider to end services, a process that was done successfully. XXXX months later I received a bill from XXXX of about {$530.00}. After getting XXXX mails, they reported me to a debt collector and filed a dispute and the debt collector did not move forward with collection. After a month, I received a letter from a different debt collector and filed a dispute and they promised to get back to me after XXXX. I also contacted XXXX by phone and went physicallly to their nearest store requesting a validation of the bill since their services were previously prepaid and there was no way I could owe them any debt. I did not get a response from XXXX and kept receiving threatening mails from XXXX XXXX services. I finally reached out to XXXX XXXX services by phone and a staff informed me that my matter was no longer with them but attorney and transferred my call to the attorney. I discussed my issue and she promised to communicate with XXXX to avail me validation receipt for use of services and up to date I haven't received any communication from them. Yesterday I got an alert from my bank about being reported to the credit Bureau by XXXX XXXX. Kindly help in this matter. I have worked hard to build my credit score and would not like a bill that I don't understand ruin it. Looking forward to your kind response. 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 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I attempted to get a loan for a car on XX/XX/22. They ran my credit when I went XXXX XXXX in XXXX MD to go purchase the vehicle, I was told that, in addition to my finance charges, I would be required to put a down payment. That is illegal per 12 USC 1605 b which prohibits additional fees outside of finance charges.

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 2023-01-06 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:
I received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXXXXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated Employers XXXX I never worked there 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 2023-01-06 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:
I received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXX - I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated Employers XXXX XXXX   never worked there 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 2023-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I signed up with a Business checking account on XX/XX/XXXX with XXXX XXXX under the Union Bank {$300.00} Checking Bonus flyer that I received in the mail. It was to complete XXXX transactions and make a direct deposit into your business checking account. I first checked in on the XX/XX/XXXX by email and XXXX called me to let me know that he was checking in on it and would follow-up. I didn't hear anything back and followed-up by email on XX/XX/XXXX and he let me know that the promo was 60 days instead of the original 90 days he told me. We went back and forth and said that he would reach to the back end to see if they would approve since he did have the original flyer in his possession. XX/XX/XXXX He called to let me know that it was approved. I waited and followed-up several times by email with no response. I went into the bank and was told that XXXX no longer worked there and was given a phone number to contact XXXX, the assistant XXXX XXXX. I called XXXX and he said that he had to check with the the back office to check with the status. XX/XX/XXXX I was told that it had been approved and I was to send over banking information for the bonus to be deposited into my account. I never received it and kept getting delayed responses. I made sure I followed every instruction that was given and I am still waiting and it's been over a year.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed for Chapter XXXX XXXX in XXXX, XXXX. I had a credit card account with XXXX at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to XXXX per the plan. Once payments stopped, in XXXX of XXXX, XXXX began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, XXXX, Transunion, and XXXX providing bankruptcy documentation as evidence. XXXX also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my XXXX petition that was filed almost 6 years ago. I was also denied an application for a XXXX loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I filed for XXXX  XXXX bankruptcy in XXXX, XXXX. I had a credit card account with Citibank at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to Citibank per the plan. Once payments stopped, in XXXX of XXXX, Citibank began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, Citibank, XXXX, and XXXX providing bankruptcy documentation as evidence. Citibank also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my bankruptcy petition that was filed almost 6 years ago. I was also denied an application for a student loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.

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