vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 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: MO

Complaint narrative:
I have three that are on my consumer report from Account Resolution. The amount of the the accounts are {$56.00}, {$200.00}, and {$150.00}. Account Resolution did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Account Resolution to provide the agreement under penalty of perjury. 
Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Account Resolution attached a verification letter, but failed to state that I had 30 days to dispute the validity of the debt which violates 15 usc 1692g ( a ) ( 3 ). Account Resolution also said that another company " referred '' the alleged debt. Any referral is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? A sale, transferal, nor referral subjects me to any unlawful act under the FDCPA. No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand Account Resolution to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to Account Resolution stating all facts which includes each violation and the damages that you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX XXXX XXXX and XXXX I have reached out to the company and debt collector and I have also made a dispute. 
XX/XX/XXXX I have reached out to the company and to the debt collector and I have also made a dispute. 
XX/XX/XXXX XXXX and XXXX I have reached out to the company and the debt collector and I have also made a dispute. 
XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and the debt collector and I have also made a dispute. 
XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and to the debt collector I have also made a dispute

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 2022-03-19 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: FL

Complaint narrative:
Ive tried countless times to fix this issue with Equifax. Ive requested that you VERIFY if these payments in 2015 were indeed late as your the ONLY BUREAU reporting this erroneous data. 

The outcome of the dispute is that the account has been transferred/sold. That is not my fault you CANT VERIFY this payments are in fact late. With that being said being that you cant verify this you should remove these said late payments or update to NR ( no reported ). 

Not only that there are blatant inaccuracies with the payment history. As you can see from the supporting document it goes 30 days to 30 days to 60 days to 120 days to 120 days. Inconsistent inaccuracies thats grounds from deletion to stay within compliance of the FCRA guidelines which Equifax is failing to do. 

XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I submitted a dispute for 3 transactions. 1 unauthorized the other paid by another method. The third one I was advised it could not be disputed because it was past 60 days. Recently the unauthorized transaction was as denied ; reason it is past 60 days and the other there was no reason given. When I called the bank they referred me back to the merchant. I asked to speak with a supervisor, called and emailed consumer relations for assistance several times I have not received a reply or call back. Its been 4 weeks. Ive given them enough time to resolve the problem with my checking account. Since then it was closed in the middle of a dispute with no notification or correspondence. The only notification I received was asking if I made changes to my XXXX profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-19 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: PA

Complaint narrative:
It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX  please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit report 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 non-monetary relief
Consumer complaint received 2022-03-19 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: PA

Complaint narrative:
It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX  please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: MI

Complaint narrative:
N according With the fair credit reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1684 section 604 a section 2 : it also states consumer reporting agency can not furniture 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 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have hard inquiries on my credit report for cards I never attempted to open. When calling the companies they said that the credit applications were denied, however they arent removing the inquiries from my credit even though I never made an inquiry with any of the banks below- XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Citibank NA, XXXX XXXX Citi Cards/Citibank XXXXXXXX XXXX XXXX NONE of these are me. Please help!

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 2022-03-19 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: MI

Complaint narrative:
N according With the fair credit reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1684 section 604 a section 2 : it also states consumer reporting agency can not furniture 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 2022-03-19 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: MI

Complaint narrative:
N according With the fair credit reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1684 section 604 a section 2 : it also states consumer reporting agency can not furniture an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: OR

Complaint narrative:
The cares act has been in continuous effect since XX/XX/XXXX. 

Nelnet ... servicer of my govt studend loans has twice ( x5 loans =10 neg reports ) reported negative pay status of 120 days. 

Federal student loan payments are scheduled to restart beginning in 60 days.. President Joe Biden extended temporary student loan relief through XX/XX/XXXX, which was his third extension. this makes a total of five ... more imoptantly... 

why do i have the the servicer of federal loans reporting negative status during this timeframe? 
i have disputed this twice now... i still have negative reports. 

the cares act has been in continuous effect since XX/XX/XXXX and currently runs through XX/XX/XXXX ... No negative status reporting during student loan relief... Nelnet is wrong to do so...... TWICE... why is this so hard to understand? Why are they ruining my credit? 

XXXXXXXX XXXXXXXX XXXX XXXX ( service connected ). last gainful employment XX/XX/XXXX. 
Unemployability- fully developed claim SUBMITTED XXXX and wrongfully denied XXXX, XXXX claim error presented to Veterans law judge- currently under review

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: MO

Complaint narrative:
Online Information Services has reported information to my consumer report. Online Information Services did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Online Information Services to provide the agreement under penalty of perjury. Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Any referral that subjects me, the consumer to any prohibited under the FDCPA is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand Online Information Services to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to Online Information Services stating all facts which includes each violation and the damages that you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: MI

Complaint narrative:
I XXXX XXXX XXXX, Natural Person and consumer am submitted this complaint on my own behalf. I have been a victim of Identity theft. Please review the attachment as my federally protected consumer rights have been violated.

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 2022-03-19 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: MI

Complaint narrative:
I XXXX XXXX XXXX, Natural Person and consumer am submitted this complaint on my own behalf. I have been a victim of Identity theft. Please review the attachment as my federally protected consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MO

Complaint narrative:
ERC has reported information to my consumer report. ERC did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging ERC to provide the agreement under penalty of perjury. Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Any referral that subjects me, the consumer to any prohibited under the FDCPA is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand ERC to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to ERC stating all facts which includes each violation and the damages that you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
In XX/XX/2021 I sold my leased vehicle back to the dealership where I purchased it, at the time I owed for the XX/XX/2021 payment. Later that spring, I received noticed that there was a late payment on my credit report and XXXX XXXX XXXX XXXX XXXX was XXXX days late. 

I called and they told me they would fix it. 

This week I received another notice there was a change on my credit report. This account ( Account # XXXX ) is now showing as XXXXdays late as the status but all payments listed are shown as on-time. 

Currently, this is severely impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 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: MI

Complaint narrative:
I XXXX XXXX XXXX, Natural Person and consumer am submitted this complaint on my own behalf. I have been a victim of Identity theft. Please review the attachment as my federally protected consumer rights have been violated.

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 2022-03-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX  account # XXXX, XXXX, XXXX, XXXX, has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 States : That a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
between the dates of XX/XX/XXXX and XX/XX/XXXX I had my wallet stolen and my Bank of America XXXX card was used fraudulently for multiple transactions. During this time period I was incarcerated and was not the one who used my card. The transactions are as follows : XXXX XXXX -XXXX : {$24.00} XXXX XXXX- XXXX : {$4.00} XXXX XXXX - XXXX XXXX Market : {$8.00} XXXX XXXX - Bank of America XXXX {$900.00} XXXX XXXX - TXXXX : {$100.00} XXXX XXXX - XXXX XXXX : {$23.00} XXXX XXXX - XXXX XXXX : {$13.00} XXXX XXXX XXXX XXXX : {$2.00} XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX {$3.00} XXXX XXXX - Bank of America XXXX {$980.00} XXXX XXXX - Bank of America XXXX {$340.00} Spet. XXXX - XXXX : {$5.00} XXXX XXXX - XXXX XXXX XXXX : {$8.00} XXXX XXXX - XXXX : {$5.00} XXXX XXXX - XXXX : {$2.00} All of these transactions have been reported and denied by Bank of America XXXX XXXX XXXX. I sent in documentation proving i was incarcerated during this time. The documentation showed my release date of XX/XX/XXXX and that I had served XXXX  days in custody. After multiple filings for reconsideration the bank continuse to deny my claim.

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 2022-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am being charged for a debt that belongs to my deceased spouse. Between XX/XX/XXXX to present XX/XX/XXXX, not sure about the current amount. The company attached this account to me without my knowledge

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