vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 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: NC

Complaint narrative:
I sent a letter to I.C. Systems on XX/XX/2022, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, this debt, which I told them to send back to the original creditor, remains on my credit report in violation of federal law. 

XXXX XXXX  Account # XXXX XXXXXXXX, 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 2022-12-12 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: IN

Complaint narrative:
The Credit Bureaus stated my accounts was properly investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, accounts that are in collection are also being reported as late payments, and the dates last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 sections 602 A. States I have a right to privacy 15 U.S.C 1681 sections 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions The Credit Bureaus are in direct violation of Federal Law under the Fair Credit Reporting Act ( FCRA ) 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I, the consumer and natural person, am filing this complaint about my consumer report in its entirety. The Credit Bureaus have assumed this role without my PERMISSION OR CONSENT! They did not exercise their grave responsibilities, they were unfair, they were partial, and they did not RESPECT my RIGHT TO PRIVACY! They NEVER had a permissible purpose! And I NEVER INSTRUCTED Them to furnish or create this report and I NEVER CONSENTED to this report in the first place. I have disputed these reports in their entirety as well as other accounts time and time again for years. I have asked them to remove ALL items from my consumer reports AS SOON AS POSSIBLE! And since they have failed to make reasonable procedures to resolve my requests to remove this report in its entirety, I am now being misrepresented by each Credit Bureau because these corporations have chosen to continue making fraudulent statements in my consumer 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 explanation
Consumer complaint received 2022-12-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received an email that my Bank of America credit card has been approved. I did not apply for this or any other card. I currently have another fraud investigation open with XXXX XXXX. I have tried to contact Bank of America but their entire system is automated and I dont have an account number to give them. I cant speak to a live human being. The card was opened under my maiden name 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 2022-12-12 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: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
My credit report shows I have a loan account from Meridian Financial XXXX that was opened in XXXX of XXXX 
I have never engaged with this company nor authorized any loan with this entity. 
I submitted a dispute via XXXX twice asking to show me proof of my approval with this entity Both time I was just reported that the company assures that the account is real, and I have not been shown any proof. 
I asked to shown any documentation with my signature showing my authorization for this loan. Neither has been provided at any point after my dispute was filed. 
I would like written proof of when this account was created and my signature authorizing this account.

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 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a call from an anonymous number stating that they were a courier attempting to deliver documents pertaining to a debt. I said that I would be at work during their deliver time and asked who or what the debt or account was for. I was given the following number : XXXX. 
When I called a very brusque and insistent operator named XXXX attempted to 'verify ' me and then said I had an unpaid debt on a Wells Fargo checking account that was closed in XXXX. The debt allegedly originated from XXXX. I was told a judgement had been made in the amount of {$950.00} stemming from an initial debt of {$720.00} left over when my account was closed. When I asked for verification I was told to 'XXXX  5 year federal debt charge ' and they then hung up. I received a call back threatening legal action if the debt wasn't paid. I have no record of any such debt. 

I then contacted Wells Fargo ( with whom I did hold an account with around that time ) but they said they had no record of an unpaid balance. I do not know if this debt is valid but have no way to confirm other than with Wells Fargo who says it is not. 
I am concerned that this may be fraud or that I will have some judgment stemming from this as the collection agency does have my valid social and some vague amount of account history. My credit is ostensibly being held for ransom. I don't know if an account was fraudulently opened or if that is a scam outright.

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 2022-12-12 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: TX

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 {$220.00} acct # XXXX XXXX. XXXX XXXX  {$820.00} acct # XXXX XXXX. XXXX XXXX XXXX {$8100.00} acct # XXXX XXXX. XXXX XXXX XXXX {$18000.00} acct # XXXX XXXX. XXXX XXXX {$1000.00} acct # XXXX XXXX. XXXX XXXX {$140.00} acct # XXXX XXXX. XXXX XXXX  {$1300.00} acct # XXXX XXXX XXXX XXXX {$110.00} acct # XXXX XXXX. XXXX. XXXX {$250.00} acct # XXXX XXXX. XXXX XXXX XXXX {$950.00} acct # XXXX XXXX. XXXX XXXX XXXX {$570.00} acct # 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 2022-12-12 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: TX

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 XXXX XXXX XXXX. 
XXXX. XXXX XXXX {$220.00} acct # XXXX XXXX. XXXX Bank {$820.00} acct # XXXX XXXX. XXXX XXXX XXXX {$8100.00} acct # XXXX XXXX. XXXX XXXX XXXX {$18000.00} acct # XXXX XXXX. XXXX XXXX {$1000.00} acct # XXXX XXXX. XXXX XXXX {$140.00} acct # XXXX XXXX. XXXX XXXX XXXX1300.00} acct # XXXX XXXX XXXX XXXX {$110.00} acct # XXXX XXXX. XXXX. XXXX {$250.00} acct # XXXX XXXX. XXXX XXXX XXXX {$950.00} acct # XXXX XXXX. XXXX XXXX XXXX {$570.00} acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have been a victim of cybersecurity since XXXX. In XXXX, I had been XXXX  in my home and suffered XXXX XXXX XXXX Soon after, I changed my accounts after several checks and withdrawals which I was only partially awarded. I'm owed {$1100.00} from this occurrence from last XXXX. Without asking, the man at the bank chose I start a new account, and never had given what I was owed. I had reported 12 months of fraudulent claims, but not even half were answered although 12 months consisted of a false transaction every month. I had a fraud alert added in XXXX, after being denied thousands. I wasn't the same person after my XXXX XXXX until the end of XXXX, when viewing my XXXX account and seeing 20 straight days consisting of over 400 false transactions plus the fact a new account had been opened and I had to learn it through XXXX. When I called them, I could tell they were caught off-guard and hadn't seen this yet. I asked of a new account, which they denied on the phone and my next visit to the bank. This happened again another month later, but I've been unable to call out, access my XXXX app, or my XXXX account besides a very few times. I can't remember how long since my XXXX  has been accessible, my XXXX  account took 4 months until an affidavit to the FTC, and there I learned of two more accounts that had opened. I called and stayed on the phone for an hour each month, unable to see any statements of their wrongdoings until finally finding a ride to the bank by my friend. It doesn't matter how many times I tell them of these false claims they never tend to answer them so then I decided to buy XXXX XXXX in XXXX to show my biometrical position. I rarely leave my home, and there are charges nearly everyday showing on my statements. I only claimed the ones I know were not me, and I bet there are plenty more. I don't have any idea of why I should have to be charged to pay off other accounts with my sole account either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX  reported to the 3 credit bureaus without my consent, knowledge or doing so myself. The only way that transunion, XXXX or XXXX could have this information is through fraud of my identity. File document below states that the U.S Bankruptcy Court District of Maryland  does not report any information to the credit bureaus. My objective is to remove these reports from my credit file due to said fraud. 

TRANUNION. 
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 2022-12-12 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. The list of accounts below have violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name Account # XXXXXXXX XXXX  XXXX DELETE XXXX Main XXXX DELETE XXXX XXXX XXXX  XXXX DELETE XXXX XXXX XXXXXXXX DELETE 15USC 1681 Section 602 A. I have the right to privacy.

15USC 1681 Section 6049 ( a ) section 2 A consumer can not furnish a account without my written consent.

15USC 1681C ( A ) ( 5 ) STATES no consumer reporting agency containing any of the followint items of any adverse information, other than record of convictions of crimes which antedates the report by more than 7 years.

15USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or have resonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN IS RUINING MY LIFE. FOR A MONTH NOW MY HOME LEASE HAS BEEN UP. I HAVE BEEN FORCED TO PAY OVER XXXX A WEEK FOR A HOTEL. WHY? BECAUSE EXPERIAN HAS NO CLUE WHATS GOIN ON. IVE APPLIED FOR A HOME AND EVERY PLACE SAYS MY CREDIT IS FROZE OR HAS A FRAUD ALERT. EXCEPT PER MY EXPERIAN PORTAL, THE AUTOMATED PHONE SYSTEM, AND EXPERIAN CUSTOMER SERVICE AND SPECIALIST, THEY SAY THERE ISNT A FREEZE OR FRAUD ALERT. YET EVERY TIME I APPLY IM DENIED BECAUSE MY CREDIT SHOWS EMPTY OR IS NOT ACCESSIBLE. I CANT KEEP PAYING XXXX A WEEK. THEY TOLD ME IT WAS AN EXTERNAL GLITCH AT FIRST. THEN THEY SAID IT WAS DUE TO THE ADDRESS ON MY DL NOT ON MY REPORT. SO I SENT MY DL, SSN CARD AND A UTILITY BILL AND WAS ENSURED MY ADDRESS WOULD BE FIXED IN 24 HOURS. THE ADDRESS STILL ISNT FIXED. DESPITE ME DOING WHAT I WAS ASKED. MY CREDIT IS INACCESSIBLE AND EXPERIAN NEVER FIXED MY ADDRESS. THEY KEEP SAYING THEY DONT SEE ANY FREEZES OR FRAUD BUT IVE ATTACHED PROOF OF WHAT EVER PLACE I APPLIED FOR RECEIVED. THEY NEED TO FIX THIS THIS WEEK. XXXXM NOT RICH.IVE PAID 2 MONTHS RENT HERE AT THE HOTEL IN ONE MONTH.

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 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield XX/XX/2022 XXXX : {$1000.00} I looked at my credit report and noticed companies that I did not do business with or authorize any debt under my name. I also did not authorize any transmittal of my information to these companies. I do not know these companies these are fraudulent accounts. 


Sincerely, To Whom It May Concern

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act Discover Bank partial account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 16666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Self Financial Inc.
State: IL

Complaint narrative:
I had a XXXX balance on my Self credit card and have been a customer for over XXXX years with not a single missed payment. This card I rarely use as I qualify for better cards with better benefits. I kept it open only for reporting purposes as it's one of my oldest cards. To my surprise, I receive a notification from XXXX XXXX that Self has reported my credit card payment as late. This should have never happened as I should have a XXXX balance as I do not use this card! I immediately pay the balance ( even though this is 100 % FRAUD ) as I have worked extremely hard to raise my credit to an acceptable score and wanted this to stop reporting as a " late balance '' on my credit report. I immediately call them to report the fraud on three separate charges for the same company, for the exact same amount. They refund my money for these charges and stated they will need to suspend my card and send me a new one which I was perfectly fine with. They, however, refused to correct the late payment reported on my credit or allow me to speak with a supervisor. They promised they would have a supervisor call me back the next business day and of course, they never did. I just so happen to check the card last week and I have YET AGAIN, ANOTHER FRAUDULENT CHARGE from the same company on the same card that they said they suspended. This company lacks accountability for its mistakes and customer service is subpar at best. They should be embarrassed about the way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
I sent a letter to Capital Accounts on XX/XX/2022, about a collection they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX XXXX XXXX ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, this debt, which I told them to send back to the original creditor, remains on my credit report in violation of federal law. 

Re : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My mortgage servicer is Fay Servicing ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). We have an impound account for our mortgage through their company. They did not pay my home owners insurance through the impound account so I paid this out of my own account. They also did not pay my property tax on time so I again paid this out of my own bank account ( {$9000.00} ). As they have not been making timely payments if they pay at all I called on XX/XX/XXXX requesting to close my impound account and that I would pay property tax and other payments on my own. I was told by the representative that they would not do this. When I asked to speak to a manager I was told one was not available. They reported they paid the property tax even though the county assessors office has no proof they have but instead showed that I paid the account on my own. 

I have attached my property tax bill that was due XX/XX/XXXX as well as evidence from my bank account that I have paid this bill instead of the impound account.

Company response to consumer: Closed with explanation