vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I called XXXX and XXXX to get a balance letter emailed to me and they said it they could not at the time but yet my balance is at {$0.00}. They stated I have to wait for it. Its been over a week and have not received. I need these off my report. The balance is at XXXX on both accounts. They are not willing. XXXX was for XXXX XXXX XXXX was for XXXX XXXX  XXXX acct

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Hello, This account is being reported by IC System , Inc from XXXX XXXX. I did not choose Auto-renew on this account and did not receive services for my pet that were not paid for. My pet has not been to any of their facilities for well over a year as I called in and cancelled the services. I have made several calls to speak with a supervisor and get this resolved and I've been told by phone XXXX XXXXXXXX XXXX XXXX # XXXX ) that I would get a call from a supervisor, and I have not received any responses. This is causing me great harm with my credit score having dropped significantly. I did not receive anything from anyone prior to me getting a notice that my score had dropped and then me seeing it on the 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 2023-05-05 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:
Please remove this from my credit report. I have already provided all the necessary documents to have it removed, and I am pleading with you to take action as soon as possible.

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 2023-05-05 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: FL

Complaint narrative:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : 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 non-monetary relief
Consumer complaint received 2023-05-05 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 have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I was informed my by Chime that will be closing my account and I won't have access to my money and wont be refunded my money. I set chime as my listed account to receive my federal tax and state taxes from XXXX. The funds were received XX/XX/XXXX and Chime closed my account on XX/XX/XXXX mid day. I sent an email to XXXX and they asked for information in return and I sent them everything they asked but I have not heard anything back and have been sending documents to help them open my account back up. 

They don't take my calls and only send me automated emails back. I have shared very sensitive information with them that only I would have access to, even a photo of myself and my ID and the date and time. An everytime they request information I give them exactly what they ask for but they have stopped communicating with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to dispute the following inquiries. It does not belong to me. I never lived in these addresses associated with these. I was contacted by a collection agency regarding the accounts that are associated with these fraudulent inquiries. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, This account is being reported by XXXX XXXX XXXX XXXX from XXXX XXXX. I did not choose Auto-renew on this account and did not receive services for my pet that were not paid for. My pet has not been to any of their facilities for well over a year as I called in and cancelled the services. I have made several calls to speak with a supervisor and get this resolved and I've been told by phone Rep XXXX XXXX Employee # XXXX ) that I would get a call from a supervisor, and I have not received any responses. This is causing me great harm with my credit score having dropped significantly. I did not receive anything from anyone prior to me getting a notice that my score had dropped and then me seeing it on the 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 2023-05-05 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: IL

Complaint narrative:
XXXX We had issued through XXXX XXXX XXXX XXXX XXXX XXXX ) an ACH collection in the amount of {$1300.00} payable on or about XXXX XXXX, XXXX. 

XXXX This was for rent collected from a tenants ( XXXX XXXX ) from her account ( # XXXX ) at Chase with routing number XXXX. 

XXXX The tenant terminated the Lease but we forgot to remove the ACH. 

XXXX On or about XX/XX/XXXX, the tenant called and said money was withdrawn from her account. We told her that it was a mistake and we will refund it. We checked out account at XXXX and in fact our account was credited for that amount. 

XXXX We issued her an ACH payment to refund her for the same amount. We emailed her proof of the ACH refund payment to her. 

XXXX In early XX/XX/XXXX, we reviewed our XXXX XXXX bank statement. We found out that our account was credited {$1300.00} once, but debited for {$1300.00} twice. Our refunding her went through but her bank, CHASE, recalled and took back the original {$1300.00}. XXXX did not notify us about this until we saw the XXXX monthly statement. 

XXXX As a result, our account is {$1300.00} short. 

XXXX We brought this to the attention of the manager at XXXX XXXX  XXXX After some vacillations, he said his Treasury Management will contact Chase to return the money. 

XXXX On numerous occasions I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX He states that this is not his problem but XXXX Treasury Management has contacted Chase about this twice, and that Chase has not responded. I asked and was told that by law, Chase has two weeks to respond but it has not responded to their inquires. 

XXXX Before filing this complaint, I called Chase and spoke with a XXXX ( call Ref # XXXX ) to see if Chase can explain the reason for failure to respond to XXXX XXXX  XXXX She did not have any inforamtion.

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

Complaint narrative:
The following collection companies ( companies names ) XXXXXXXX XXXXXXXX XXXX XXXX  have inaccuracies on my report. Ive stated several times to them it wasnt me and for validation not a bill stating whats owed. Theyre breaking the fcra with the reporting. This has caused great harm to me which I know can be up to {$1500.00} per inaccuracies.

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 2023-05-05 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: WA

Complaint narrative:
Equifax I monitor my credit with Equifax - about 3 weeks ago I signed in and was alarmed when Equifax mixed up my information with another person with a similar name ( the other person has a different SS number, Different DOB, different address etc... ) the only similarity is the name. I now have this ALL this person 's information, work, address, phone number, mortgage information etc... This error - if in the wrong hands - will leave them VULNERABLE TO identity theft and WORSE! 

This is outrageous! Does the other person have my information? Equifax is now requesting very personal information from me to get my information back and I do NOT trust their services. I have to give them all my credit card information, try to remember all the accounts that I might have over my lifetime. I would like this escalated to the highest level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive called to turn off over draft fees they said I couldnt Ive paid over draft fees multiple times from being over drafted sometimes very few dollars for days

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 2023-05-05 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: GA

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. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX 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 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 2023-05-05 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: PA

Complaint narrative:
XXXX hasn't has cancelled several disputes involving the use my report. I never gave consent to Experian and is violating my rights a s a consumer by reporting false information on my 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 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.

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 2023-05-05 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: NC

Complaint narrative:
Tuesday XXXX, my husband and I submitted ONE construction loan application with only our bank because we trust our bank with our assets and information. Wednesday XXXX, a disturbing amount of calls and text messages to my cell began. By Thursday XXXX, I received over XXXX calls from lenders. Some, like XXXX XXXX, stated that they were given our social security numbers and credit scores from the credit bureaus. Some mentioned XXXX specifically. One mentioned XXXX XXXX ( the company that ran our credit for the bank ). Selling our private information to hundreds of companies should be a violation of our privacy and safety. When our bank ran our credit, we trusted that our information would be safe. We had no idea the credit bureaus would sell our information. 

I wasted the last three days answering calls, signing up for accounts to freeze our credit and add fraud alerts, signing up for opt-out prescreen and the do not call registry, and researching what to do and how this could even happen. It is our choice who we apply with and not a credit bureau 's. Consumers should have to opt-in for trigger leads and sign up for accounts for their information to be shared and not the other way around! We werent interested in working with other lenders or having the credit bureau send even one of the more than 100 lenders to my cell phone. 

Everyone I communicated with at XXXX claims XXXX never shares phone numbers, credit scores or socials. That is a lie. All of the lenders obtained our phone numbers through XXXX, XXXX and Equifax from their trigger lead, prescreened and pre-approved programs. They also shared our information with scam callers. Before Wednesday, my cell rarely received phone calls. Now, I cant get work done because of the calls and stress. When I ignore the calls, they just keep calling back. Im forced to answer to plead with the lenders to stop calling. Our financial security is at risk thanks to the credit bureaus. Their trusted partners now have all of the identifying information needed to access our money and create accounts in our names. 

I attached some of my call log from Wednesday to Thursday XXXX. No one should have to go through this and be punished for working hard to maintain good credit. Its shameful to pretend the trigger lead and prescreened practices are to benefit consumers. It's all about money and not caring who the credit bureaus harm.

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

Complaint narrative:
Tuesday XXXX, my husband and I submitted ONE construction loan application with only our bank because we trust our bank with our assets and information. Wednesday XXXX, a disturbing amount of calls and text messages to my cell began. By Thursday XXXX, I received over 100 calls from lenders. Some, like XXXX XXXX, stated that they were given our social security numbers and credit scores from the credit bureaus. Some mentioned XXXX specifically. One mentioned XXXX XXXX ( the company that ran our credit for the bank ). Selling our private information to hundreds of companies should be a violation of our privacy and safety. When our bank ran our credit, we trusted that our information would be safe. We had no idea the credit bureaus would sell our information. 

I wasted the last three days answering calls, signing up for accounts to freeze our credit and add fraud alerts, signing up for opt-out prescreen and the do not call registry, and researching what to do and how this could even happen. It is our choice who we apply with and not a credit bureau 's. Consumers should have to opt-in for trigger leads and sign up for accounts for their information to be shared and not the other way around! We werent interested in working with other lenders or having the credit bureau send even one of the more than 100 lenders to my cell phone. 

Everyone I communicated with at XXXX claims XXXX never shares phone numbers, credit scores or socials. That is a lie. All of the lenders obtained our phone numbers through XXXX, Experian and XXXX from their trigger lead, prescreened and pre-approved programs. They also shared our information with scam callers. Before Wednesday, my cell rarely received phone calls. Now, I cant get work done because of the calls and stress. When I ignore the calls, they just keep calling back. Im forced to answer to plead with the lenders to stop calling. Our financial security is at risk thanks to the credit bureaus. Their trusted partners now have all of the identifying information needed to access our money and create accounts in our names. 

I attached some of my call log from Wednesday to Thursday afternoon. No one should have to go through this and be punished for working hard to maintain good credit. Its shameful to pretend the trigger lead and prescreened practices are to benefit consumers. It's all about money and not caring who the credit bureaus harm.

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 2023-05-05 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: PA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. This complaint is sending due to the new items on my report they I have discovered just recently. 
I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC 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