vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I XXXX XXXX Currently have Fruad accounts and inquiries on all three credit 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 non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX Currently have Fruad accounts and inquiries on all three credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: QuickClick Loans of Illinois, LLC
State: GA

Complaint narrative:
My roommate informed me that a processed stopped by to served me papers in which I am out of state going through XXXX. I took a medical leave of absence from work and its a 90 % possible chance I wont be going back due to my illness. The way they beat if the apt door was rude and distasteful. Brookwood loans never sent anything in the mail after I contacted them via phone and email. They wouldnt even update my address they were just plain out nasty. I will be filing a complaint with the State of Georgia about their rip off high interest rate fees. I have paid these paid over {$1300.00} and my balance has not moved I actually owe more than the original loan amount. I am focused on my XXXX instead of dealing with these dishonest people. My doctor told me to focus on my treatments and not to worry about them if I do he said I will end up sicker stressing out over a loan I cant control currently. I was paying the loan on time when I did have money. I had to pay out of pocket medical expenses and it left me with enough money barely to eat. I had multiple XXXX for XXXX XXXX and now under going XXXX. There is nothing I can do I am literally almost homeless. I had to have some move in a one bedroom apt with me so I wont be in the street. I am not sure if Im going to be here to or tomorrow. I have XXXX because of the XXXX and have to wear XXXX in order to walk. I am really having a rough time and these people just driving my roommate crazy beating in the door. I can only pay {$20.00} a month .I dont have a problem showing the judge my expenses for medication and treatment. asked my roommate to accept the papers being served and he refused because he stated he wants no parts. Im in a different state receiving XXXX treatments. Just please stop harassing my roommate by beating on the door. Is if possible for you all to email the papers youre trying to serve it may be pointless if the court date is in the next 60 days I be here getting XXXX roughly 3 months and still unsure if its going to work. I may XXXX in three ( 3 ) months who knows. I just pray everyday and thank God I am still breathing. I never tried not to pay or skip out life happens and mine was XXXX. You can see I care I paid on a loan for over a year with no issues. I cant control what life throws at me.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
{$100.00} XXXX  transfer to XXXX XXXX was scam XX/XX/2023 {$500.00} XXXX  transfer to XXXX XXXX XX/XX/2023 {$500.00} XXXX transfer to XXXX XXXX scam on XX/XX/2023 {$450.00} XXXX  to XXXX  scam on XX/XX/2023

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 monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, I wired {$92000.00} to the Chase account I thought had come from the legitimate contractor we were using and didnt realize we had been spoofed. 

On XX/XX/XXXX, I wired another {$67000.00} to the same Chase account per the two invoices that were due. I received an e-mail back from the fraudster saying thank you wire received. 

At this point I had wired {$150000.00} to the fraudsters account at Chase thinking I was wiring to XXXX XXXX  per my instructions to the banks. 

Our bank, XXXX XXXX verified my wire requests by calling me and I confirmed both the account number the routing number and the name on the account as XXXX XXXX XXXX. 

We believe that Chase did not follow proper Know Your Customer Rules by failing to verify customer identities to prevent fraud, establishing a risk profile for each customer at the outset of the business relationship with them is a key component and continual monitoring of customer transactions standards to detect suspicious activity. 

This account should never have been opened by Chase in the first place and funds intended for Puffin Builders should not subsequently have been delivered to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a credit alert that Capitol One pulled a credit report today, XX/XX/2023. I have not authorized Capitol One to pull my credit report NOR have I applied for a credit card or loan from them. 

I've called all three credit report companies : XXXX, XXXX, and XXXX to freeze my credit reports and to report the fraud. 

I called Capitol One who said they don't have a credit card open in my name or social security number. I asked why they pulled my credit report. They said they had no idea and that I should alert the credit reporting agencies. 

The credit agencies tell me I need to have Capital One send them a report that says it was unauthorized so they take this off my credit report. 

This is a circular issue, and I need the action to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ XXXX XXXX XXXX  ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit 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 2023-11-02 00:00:00
Product: Credit reporting 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:
My personal information was compromised by the Credit Reporting Agencies illegally. 

Identity theft has been committed violating various codes.

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 2023-11-02 00:00:00
Product: Credit reporting 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:
My personal information was compromised by the Credit Reporting Agencies illegally. 

Identity theft has been committed violating various codes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is unlawful to report inaccurate information on my credit report. XXXX aka XXXXXXXX XXXX XXXX XXXX XXXX XXXX repeatedly publishes inaccurate information and has forced me to sue in state court. You ignore all evidence repeatedly, u fail to provide me with the docs they gave u to affirm their inaccurate publications, u allow and protect their inaccurate credit reporting willfully and aggressively against me. The debt XXXX continues to affirm is a mortgage loan that was induced by fraud and thus is void at the execution and the law does not allow to be affirmed with payments. Despite this XXXX knowingly and intentionally applied money from check XXXX {$79000.00} into a principal reduction of the loan. Then XXXX took out the money that lowered my principal {$73000.00} and applied it to monthly payments to increase my principal over {$20000.00} and pay themself that amount. You have failed to get proof they paid my home ins XXXX XXXX, you have failed to get proof that the loan was not canceled within the statutory period, you have failed to get proof that I EVER made a payment to this loan. But for some reason you think you can ignore that proof and just keep sides with the inaccurate publication. I dispute the enforceability of this debt so you must do the minimum and get proof that I did not cancel with the XXXX day statutory protection I have. That means you must obtain at the least proof from the company that they or some other person EVER delivered to me the statutory cancel docs. You can not get that proof because those docs were NEVER delivered. The loan was canceled. The evidence proves it. You failed to get proof that I ever got those XXXX written cancel docs accurately filled out. The face of the docs even have the wrong address and include the house across the street. They are facially inaccurate but u ignore that. You dont care. U use any other means of affirming this debt. U use means above and beyond reasonable means to ignore my evidence and side w the company. That is not for u to decide. U must not ignore my proof. You must get proof from the other side that I failed to cancel this debt within the statutory time. Next they will say I owed more money. WRONG!!! I sustained financial injury as a result of the fraudulent inducement for 6 months of this mortgage. That is not for this co to decide or you but a court. I paid back all money per contract terms. The amount in disput is an unliquidated debt that is in despite. U dont get to decide to enforce this debt or publish it as accurate when the very foundation is in dispute. U have a standard of care and you are well below that standard of review. Fix this and remove the debt now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is unlawful to report inaccurate information on my credit report. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  repeatedly publishes inaccurate information and has forced me to sue in state court. You ignore all evidence repeatedly, u fail to provide me with the docs they gave u to affirm their inaccurate publications, u allow and protect their inaccurate credit reporting willfully and aggressively against me. The debt XXXX continues to affirm is a mortgage loan that was induced by fraud and thus is void at the execution and the law does not allow to be affirmed with payments. Despite this XXXX knowingly and intentionally applied money from check XXXX {$79000.00} into a principal reduction of the loan. Then XXXX took out the money that lowered my principal {$73000.00} and applied it to monthly payments to increase my principal over {$20000.00} and pay themself that amount. You have failed to get proof they paid my home ins XXXX XXXX, you have failed to get proof that the loan was not canceled within the statutory period, you have failed to get proof that I EVER made a payment to this loan. But for some reason you think you can ignore that proof and just keep sides with the inaccurate publication. I dispute the enforceability of this debt so you must do the minimum and get proof that I did not cancel with the three day statutory protection I have. That means you must obtain at the least proof from the company that they or some other person EVER delivered to me the statutory cancel docs. You can not get that proof because those docs were NEVER delivered. The loan was canceled. The evidence proves it. You failed to get proof that I ever got those two written cancel docs accurately filled out. The face of the docs even have the wrong address and include the house across the street. They are facially inaccurate but u ignore that. You dont care. U use any other means of affirming this debt. U use means above and beyond reasonable means to ignore my evidence and side XXXX the company. That is not for u to decide. U must not ignore my proof. You must get proof from the other side that I failed to cancel this debt within the statutory time. Next they will say I owed more money. WRONG!!! I sustained financial injury as a result of the fraudulent inducement for 6 months of this mortgage. That is not for this co to decide or you but a court. I paid back all money per contract terms. The amount in disput is an unliquidated debt that is in despite. U dont get to decide to enforce this debt or publish it as accurate when the very foundation is in dispute. U have a standard of care and you are well below that standard of review. Fix this and remove the debt now.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
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. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
The information appeared on my credit file without my knowledge. I do not know what debt or who this company is collecting on behalf of. I tried reaching out to the company and was given the runaround. No one contacted or even tried to verify information with me but suddenly submitted this collection to 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 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX. The Late Payment Status is incorrect. 
XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter.

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