vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and605A(b) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: IL

Complaint narrative:
I.C. System, Inc., as a debt collector for XXXX ( now apparently known as XXXX XXXX ) has renewed a bogus demand to extract {$140.00} from me without providing any evidence that I have ever had a contract or other business relationship with XXXX or evidence that the modem I hold in safekeeping is XXXX property. I was first contacted by I.C. System, Inc. about this bogus debt payment demand in XX/XX/2021 ; I timely and repeatedly responded by certified letters demanding evidence of a contract or other business relationship between XXXX and me or proof that the modem I have in safekeeping ( having been left in the apartment I had rented until XX/XX/2021 ) was XXXX ' property. No such evidence or proof was ever provided, nor was any attempt made to explain the absence of such evidence or proof. 

Nonetheless, I.C. System and XXXX have just renewed their harassment to extract money from me without evidence or proof I owe anything or have property that is owned by XXXX. Such efforts to collect bogus debt on false pretenses must be stopped. No consumer should be put to the expense in time and money to address such fraudulent efforts to extract money without evidence or proof that the consumer has any obligation.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-04 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: OH

Complaint narrative:
1. XX/XX/XXXX XXXX XXXX XXXX {$4700.00} 2. XX/XX/XXXX XXXX XXXX XXXX {$940.00} 3. XX/XX/XXXX XXXX XXXX XXXX {$570.00} 4. XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} 5. XX/XX/XXXXXXXX XXXX XXXX XXXX {$380.00} 6. XXXXXXXX XXXX XXXX  {$37000.00} 7. XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} 8. XX/XX/XXXX XXXX XXXX XXXX  {$940.00} 9. XX/XX/XXXXXXXX XXXX XXXX XXXX  {$670.00} I have no knowledge of these companies and this is fraud because I have never signed any written documents stating this was me.

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 2023-04-04 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: OH

Complaint narrative:
1. XX/XX/XXXX XXXX XXXX XXXX {$4700.00} 2. XX/XX/XXXX XXXX XXXX XXXX {$940.00} 3. XX/XX/XXXX XXXX XXXX XXXX  {$570.00} 4. XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} 5. XX/XX/XXXXXXXX XXXX XXXX XXXX {$380.00} 6. XXXXXXXX XXXX XXXX  {$37000.00} 7. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} 8. XX/XX/XXXXXXXX XXXX XXXX XXXX {$940.00} 9. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$670.00} I have no knowledge of these companies and this is fraud because I have never signed any written documents stating this was me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX XXXX {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wilber and Associates, P.C.
State: FL

Complaint narrative:
On Thursday XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX and said they were collecting a debt for an accident I was in in XXXX. I advised her I was not in an accident in XXXX, to which she said I was. I again said, I was not in an accident in XXXX. She said, yes you were, I have the police report right here in front of me. I asked, you have a police report from XXXX of this year and she said, oh, I mean XXXX. She was SO VERY RUDE AND NASTY. She said she was collecting XXXX for injuries not paid for. The conversation was lengthy and I told her they would just have to take me to court, and she said, they don't do that, they'll suspend my license, take away my driving privileges and more. I called my insurance and was told by the adjuster that handled my claim that there were no injuries on this claim, the claim had been closed for over 2 years and to notify them if I received another call from this company. After much research, I found that I am not the only one this has happened to. Yesterday, XX/XX/XXXX, I received a letter of the same. What I did find out was that I could file a complaint. This is abuse, fraud and a fear tactic that unfortunately works. I have to tell you that I was horrified and terrified. I contacted an attorney and it put me in a place of extreme fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I called Equifax and found out they have basically erased me from their system. They have no score and they are reporting me as having no credit history. Asked for a faxed copy of my DL and SSI card. Even though the texted me an app that took my DL SSI card and selfie. I also asked for my score and they refused to say on the phone. But would mail and knew all my address and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Early XX/XX/2023, having pulled my Experian credit report, I noticed no less than 5 inquiries on my report that I did not authorize. I promptly filed identity theft complaint with the FTC ( reports enclosed ). I also promptly notified Experian via mail of the issue and enclosed the 5 FTC identity theft complaints. I explicitly demanded they remove the inquiries from my report immediately. 
It is now more than 30 days after having put Experian on notice of the issue. 
Experian is now in violation of FCRA for a ) having not investigated within the 30 day statutory requirement, and b ) allowing IDENTIFY THEFT on my credit report. 
REMOVE THE INQUIRIES 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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I use the XXXX platform to work as a XXXX XXXX XXXX XXXX  as an independent XXXX. I started a brand new checking account with Square in order to have the funds of my paychecks to go directly into that account. As soon as I started getting paid by XXXX Square completely froze my account with a balance of {$1300.00} in there. That's money that I worked hard to earn. They shut down my account with nothing but a generic email saying that my account will be under review for 60 days. It's been well over 90 days and I have tried to contact Square on numerous occasions about my hard earned funds and they have told me that I can't speak to anyone and to defer back to the email. They're holding my hard earned money hostage. This is so sickening that a bank would steal money from people while the country is experiencing such high inflation and people need to pay their bills. Just sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: GA

Complaint narrative:
Checkr company did a background check and the report is inaccurate. So I want to dispute the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
To whom it may concern, Through multiple conversations with representatives at Mohela regarding expected timelines of when payment counts will be updated, what payment count I could be expected, and what the specifics of the TPSLF requirements would apply to my loans, I seem to be receiving conflicting information. Even for seemingly simple straightforward information, such as " expect an update in 90 days '' from submission of a document, then turned into " XXXX business days '' when I contacted at the 90 day mark. Only then, when I reach out at 90 business days from processing, does it turn into " 90 business days following a decision being made. '' Which then results in an XXXX of 2022 XXXX still not being reflected on my portal 144 business days later. This is particularly upsetting as I believe I have reached 120 payments if the proper counts according to XXXX were applied. Additionally, I have been concerned that I have 8 total loans, and 2 were knocked off schedule due to an administrative error, fixed within the last 6 months, to only now be off scheduled again. This is particularly difficult, as I had been counseled by XXXX XXXX out of consolidating them because " They will all be counted to the higher of the loan payments and continue to move as a group. '' The wait times, conflicting information, and what responses that are being provided have now exhausted my patience, as there have been at least 2-3 XXXX submissions before the XX/XX/2022 that were never processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A credit card call SYNCB/Care Credit was opened and my name and is now showing on my credit report. I have disputed the account but it is still showing and they have updated the information. I have sent over police report, FTC report, dispute letters, I have asked for a validation letter, but I have not received anything but an update on my credit profile. Please delete this from my XXXX, XXXX, and XXXX report. This has cause a lot of issue in my life.

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 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I have a debt with XXXX XXXX. I had my credit ran to see my debt to attempt to clean it up. After seeing my debt I started cleaning it up. Suddenly I received a certified letter ( XX/XX/2023 ) from Cooling & Winter about a garnishment lawsuit that has been filed in behalf of XXXX XXXX. I made the call this morning ( XX/XX/2023 ) to explain Ive been trying to reach XXXX XXXX within the last 2 weeks to make some payment arrangements but, no return call as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Is listed that I have a collection for XXXX XXXX XXXX and Im using it to do this report the only XXXX XXXX I have!!! And it is current and with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX. I have a mortgage through XXXX  XXXX XXXX. 
XXXX. I pay the monthly mortgage payments by automatic payments through Chase Bank ( through my checking account ) XXXX. I was informed by XXXX  XXXX XXXX in XXXX that my monthly mortgage payment amount had increased to XXXX something dollars. 
XXXX. In early XXXX I went to the Chase website 's automatic pay option and changed the monthly mortgage payment amount to what XXXX  XXXX XXXX had stated. This was submitted and accepted by Chase. 
XXXX. The new amount of XXXX something dollars was paid out to XXXX  XXXX XXXX by Chase. 
XXXX. However, Chase also paid out the old amount of XXXX something dollars to XXXX  XXXX XXXX on XX/XX/XXXX. 
XXXX. I contacted the customer service to help correct this situation. I spoke to a customer service representative and then to the claims department supervisor XXXX. 
XXXX. They stated that there was " NOTHING '' that Chase could do. 
XXXX. Chase also stated that it was MY RESPONSIBILITY to contact the " merchant '' aka XXXX  XXXX XXXX to get my XXXX something dollars back. 
XXXX. I find this totally unfair that I have to correct an obvious mistake which was made by the Chase Bank and NOT BY ME. 
XXXX. I informed XXXX that I will escalate this issue by writing to you. 
XXXX. The only corrective action that is acceptable to me at this time is that the CHASE bank get my hard earned money back and put it back into my checking account. 
XXXX. Again I WILL NOT and SHOULD NOT be penalized for an obvious screw up made by Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
SCAM ALERT! 
Fortiva Credit Card ( https : XXXX? XXXX #! ) Phone number : XXXX ( XXXX ) XXXX Claiming I owe money on a credit card I never opened ( {$64.00}, in an account labeled XXXX, under a name that is not mine ( XXXX XXXX ). Unsolicited text messages. Ultimately a scam, do not respond or pay any amount. 

Website asks for routing number to bank accounts, account numbers, account types and credit card information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
My account was paid in full for {$30.00} on XX/XX/2023. On XX/XX/2023 the company levied a {$2.00} fee against me. This is all documented on the statement. I called the company to get them to remove it and they wouldn't so I immediately closed the account so they could not levy anymore fees. I then filed a dispute with all 3 credit bureaus. They are stating to the credit bureaus that the fee is legitimate. I don't see how that can be since it was charged to me AFTER the statement was paid in full. This seems ridiculous that I have to fight a company for {$2.00} but now it's the point of the matter. I had an account with them about 10 years ago and wound up shutting it down for the same type of shoddy service. I thought I would give them another chance when they approached me last year. No, their service is still unacceptable and that's why I paid the account off. I didn't plan to close the account however I knew they would probably try to serve me with more fees when I didn't pay this ridiculous {$2.00}. It will cost them more to take me to collections for the unlawful charge but I am refusing to pay this on principal now since they would not cooperate on the phone and are claiming to the bureaus it's a fair charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 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: CA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-04 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:
Is listed that I have a collection for XXXX XXXX XXXX and Im using it to do this report the only XXXX XXXX I have!!! And it is current and with 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 2023-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp
State: MI

Complaint narrative:
This collection agency has bought the debt from a medical service. Credit Service International has it listed as " XXXX XXXX '' under loan type and not medical. 

The service was on XX/XX/2022 for medical contract # XXXX there was 2 medical charges on that day. One from XXXX XXXX and One from XXXX XXXX. There was only one procedure performed that day and the insurance was charged twice for the same Diagnosis code, and same procedure. 

The Insurance did verify that I was charged twice for one procedure and I have attached documentation from XXXX XXXX XXXX XXXX of Michigan showing the charge with the contract number. The doctor that ordered the pathology was supposed to remove that from my billing. The records office will not return my calls and I was told it is in collections so there is nothing they can do about it now. I just need to pay it after I already paid the copay and insurance for the procedure. 

Credit Services has been notified of this error numerous times and refused to remove this collection that is under {$500.00} and a medical debt which should not be on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CT

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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