vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
Today, I got a call, while at work, from the XXXX County District Clerk office and The phone number was XXXX, which I XXXX  and confirmed the number is real. The " clerk '' advised me that they were trying to serve me with a paper, but I haven't been home to be serve. They also said I was being sued for Fraud and to called XXXX with this XXXX # XXXX for more information. When I called that number, A lady name XXXX said she was paralegal and they were a law firm, then asks for the case number. Once I gave it to them, She verified my first and last name, address, and my full social security number to me ( I did not offer that information ) and also that I haven't been serve yet. She said that XXXX XXXX XXXX is suing me for fraud because I didn't pay them and I had the intend not to. They kept asking when I will be home to serve me. I ask is there any way for me to not be serve and offer to pay it. They said they will ask and put me on hold for a while then said yes, if I paid {$1700.00}. I went ahead and paid it and they have a collection company ( National Management Recovery Corp. ) emailed me a receipt. They never told me the name of collection company. they claimed they will cancelled the lawsuit. After getting off work, I thought about it and realized it may have been a scam and I try to contract the County clerk office to verified the lawsuit but no one answered. I believe that it was a collection company misrepresenting themselves has a law firm. I called my bank and cancelled my debit just in case the try to charge me again and the bank said the transaction was a medical company, so they are looking into it. I attachment a screenshot and you can see where the XXXX XXXX clerk call me and the receipt I got from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Transworld Systems Inc is trying collect service fees for telecheck services fees when I have not issued a check for the the last month or the period they were trying to insist I used their services. I called them but they dont want to give any information unless I give my address. I told them they wrote and sent me a letter to my address so I dont want to give anymore confidential information that are not needed. If they are truly legitimate they should know my address based on the name I gave them. They also provide a QR code on their letter which I believe maybe fraudulent to get more personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I deposited a business check on Monday, XX/XX/XXXX at XXXX. After three days, the funds still had not been deposited into my account. I went to the Chase branch where I made the deposit- the teller admitted handling the deposit, but then the bank manager moved me away from the teller and into her office. She said they lost the check and are trying to find it. I have called every day since only to be told that they are working on it. The check amount was {$5.00}. This is our families main source of funding, which has caused great stress not having the funds we need to live. As of this writing, I have seen no resolve from Chase. They made a mistake, but I am the one paying the penalty. Unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am reporting identity theft : I noticed someone has made attempts to open a credit card account in my name XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX  XX/XX/XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX AND XXXX XXXX I will appreciate it if this complaint is forwarded to the 3 credit bureaus for these derogatory information and hard inquiries to be cleared from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account XXXX ( Date claimed open XX/XX/2019 ) XXXX XXXX XXXX Account XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX ( 6 accounts ) XXXX XXXX XXXX DEPT OF ED/XXXX Account Number XXXX XXXX  Account Number XXXX 15 USC 1681 SECTION 604 A States A consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer agency knows or has reasonable 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 non-monetary relief
Consumer complaint received 2022-09-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account # XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account XXXX ( Date claimed open XX/XX/2019 ) XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX ( 6 accounts ) XXXX XXXX XXXX DEPT OF ED/XXXX Account Number XXXX XXXX  Account Number XXXX 15 USC 1681 SECTION 604 A States A consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer agency knows or has reasonable 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 non-monetary relief
Consumer complaint received 2022-09-07 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: VA

Complaint narrative:
These companies violated my consumer rights, by sharing information without my knowledge consent or instruction

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 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Investigation of Unauthorized Credit Inquiry Dear to whom this may concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. I am not aware of the inquiry sources name nor who conducted the inquiry, and I am asking for them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : This is on there twice with two different addresses. Was informed it was a soft inquiry not a hard inquiry conducted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note : Was informed it was a soft inquiry not a hard inquiry conducted. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 



Thank you for your assistance in this matter, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Investigation of Unauthorized Credit Inquiry Dear to whom this may concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. I am not aware of the inquiry sources name nor who conducted the inquiry, and I am asking for them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : This is on there twice with two different addresses. Was informed it was a soft inquiry not a hard inquiry conducted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : Was informed it was a soft inquiry not a hard inquiry conducted. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 



Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  : Account number XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-09-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Asset Recovery Solutions, LLC
State: GA

Complaint narrative:
XXXX has taken control of this debt. Their number is XXXX. I am not working but I am trying to settle so it wont accumulate to more. I am trying to settle. I am trying to pay on it or make a payment and they refuse to listen to me or negotiate or help the situation. I keep getting told No its not enough I have to pay the whole amount. They are not trying to work with me. I am unable to get more credit because of this tarnish, I need more negotiation rights. I need help with them negotiating with me and listening to me. The representative is Not helping.She just keeps calling but not to help! It came on my credit report XX/XX/XXXX. Im trying to resolve, it by the end of XX/XX/XXXX, but there is no resolve, Agent keeps saying No to everything. Now we are in XXXX. I want to pay a reasonable amount and receive a letter stating its clear and removed from report. I want to pay the debt but Im not working so I dont have all the money, I have some and the agent refuses to take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-09-07 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Hi, Our family was on a summer vacation in XXXX when my credit card ( American Express ) was hacked and charged {$990.00} twice on XX/XX/XXXX. Because both transactions were completed outside of the United States, American Express charged an additional {$26.00} twice. I did not authorize or use my credit card for a total of {$2000.00}. I've been in constant contact with Amex to get this resolved, but they're just giving me the runaround. We have made at least seven phone calls and chatted with customer service, but all of our efforts have been in vain. All calls are redirected to some foreign location and they just don't care about our problem. They are repeatedly closing our complaints based on false information and claiming that we asked them to do so. 

Please assist!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Steven A. Booska
State: CA

Complaint narrative:
After my first complaint to your board the snide and demeaning response from this lawyer was unacceptable I am a victim of true name identity theft he threatening me told me to take it up with his firm privately I do not feel comfortable doing that he is a predator and he is unfortunately being allowed to stalk his victims and make victims into criminals he has a judgment against me an unlawful one and he did not serve me properly I would also like to add that Im going to the state bird of California to see about him getting his license revoked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-08 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any future correspondences from this day forward is coming from me. 

Report XXXX : XXXX Last XXXX of SS # XXXX On XX/XX/XXXX, your company was sent proof of identity, a copy of an identity theft report, a list of items that have been determined to be due to identity theft and a statement by me, the consumer that the information is not information relating to any transaction by the consumer. This information was sent through the CFPB and will be re-attached to this complaint. According to 15 USC 1681c 2 ( a ) ; a consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt. 
Your company is in violation of this law among others. It is XX/XX/XXXX ; now 15 days past the time allotted by law. The law says block the information, not place the information in dispute. 

15 USC 1681n will remind you of the civil liability for willful noncompliance as pertains to federal law.

Please rectify this situation by removing and blocking the information identified as identity theft asap. Or further action will be taken. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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