vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 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:
XXXX XXXX XXXX Last reported XX/XX/2023 {$120.00} Open balance XXXXXXXX XXXX XXXX Original creditor TXXXX XXXX XXXX Last reported XX/XX/2023 {$130.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX  XXXX Original creditor

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 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX I receive a phone call a person saying that is he representative of the XXXX talking in XXXXHe said under my phone number there is another phone number linked to my current phone number sending advertising and commercial to other users. If I dont fix it now they going to abandon my phone number. If I want to delete that phone number I need a report from the police. He said regarding that phone number is created in XXXX XXXX XXXX  so I need to XXXX local police department. Because I dont have their phone. As the result the XXXX representative said he can help me transfer there. By there the policeman ask my passport and said I went into big troubles I need to send them XXXX dollars and XXXX or XXXX weeks later I need to send another XXXX. Before the XXXX, they promised me that they will return those money back to my account. When I trying to contact them they never response me and block me ; I realize that I got XXXX XX/XX/23 I called Chase Bank and report that I got scam from my personal checking account and the Bank help me to filed in a claim. Asking me a lot of question and told me to wait if the money could be refunded or not. On the XX/XX/23 I went in person to the bank they provided me a claim number, the claim phone number, and wire recall number. The XXXX of representatives of Chase told me wait few days to call the number. Today XX/XX/23 I call them in the afternoon regarding my claim. Again they ask me the exactly questions afterward the resolution they give me is that they couldnt give me refunded from XXXX transactions because it through the wire transfer. Later, they ask they are going to the ask that bank, the money I transfer to, for any money were leftover or recover or even both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: Conn's, Inc.
State: VA

Complaint narrative:
I have had an active installment account with XXXX 's Applicances for a furniture purchase since XXXX of XXXX and have since satisfied my account in full in XXXX of XXXX. My account has been in good standing the entire until XX/XX/XXXX. XXXX 's furniture inaccurately reported a XXXX, XXXX, XXXX, 120 day late payment to all three credit bureaus ( XXXX, XXXX, XXXX ) from XX/XX/XXXX- XX/XX/XXXX despite being enrolled in XXXX. I contacted them and the first reason I was given was that auto pay only last for 6 months at a time, something I was not made aware of at the time of set-up. I also only called twice throughout the entire length of the loan to set-up autopay so this can not be accurate either. The second reason I was given by a second person was because my account was not in good standing in XXXX so they reported all the late fees in the end.The third reason I was given was I set up XXXX automatic payment with a representative in XXXX or XXXX to finish the life of the loan however XXXX 's claims to have received a payment for each month from XX/XX/XXXX - XX/XX/XXXX except for XX/XX/XXXX. I contacted my bank and they have no record of any such attempt for XXXX of XXXX. They also did not attempt to contact me in anyway in XXXX in XXXX or any time afterwards regarding any kind of late payment. The last communication I received from them regarding any kind of late payment was in XXXX of XXXX which prompted me to call them and set-up the final automatic payment arrangement. 

XXXX 's Applicances ' lack of centralization of records and communication forces their hand into predatory behavior of the consumer and credit reporting. They are not transparent about the duration of automatic payments, they do not consistently contact the consumer regard account issues and they report inaccurately to the credit bureaus. After speaking with them, providing bank statements and satisfying my account, they will not correct the inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was charged XXXX dollars for using a non-Bank of the XXXX ATM ( on XX/XX/2023 ), after I just tried using the Bank of the West ATM but it was out of service. It is the only bank ATM in town. I should not be charged for using a non-branch ATM when their only ATM in town is out of service.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22 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: MI

Complaint narrative:
ALREADY REMOVED THROUGH XXXX XX/XX/2022 XXXX Unauthorized hard inquiries from the following institutions : XX/XX/2022 XXXX XXXX XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX AXXXX XXXX XX/XX/2022 XXXX XXXX OF XXXX via XXXX XXXX XXXX, XX/XX/2022 XXXX XXXX XXXX via XXXX XXXX XXXX Also fighting an ongoing identity theft case in California/Michigan for the past XXXX years XXXX This has been reported to the FTC, IRS, California XXXX, Michigan XXXX and am in process of pursuing action with the FBI as this is quite possibly a case of organized crime and identity theft. I will also be looking into the XXXX and XXXX XXXX breaches from the late twenty-teens and early twenty-twenties in order to figure out the source of the breach and pursue further legal/civil action.

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 2023-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I obtained a home mortgage with Wells Fargo in XXXX. In XXXX the mortgage was sold to XXXX XXXX XXXX XXXX. I do not believe all payments were applied from Wells Fargo or through this transition. I've had this property for twenty plus years and my current mortgage company is showing a XXXX XXXX dollar plus balance.

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 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
This letter is my formal dispute notice regarding XXXX cases that refers to the XXXX  XXXX XXXX Acct ( XXXX ) back in XXXX. Plaintiff is XXXX XXXX XXXX XXXX ll, XXXX and the Law Offices of XXXX and XXXX, XXXX. I am the defendant and a victim of Identity theft and fraud. 

As reported to the XXXX XXXX XXXX XXXX XXXX. Levying XXXX. I responded to inform them that their information was completely inaccurate, fraudulent and a matter of identity theft. I requested that they return my earnest money that was levied.

They took {$1500.00} which was garnished from my bank account, including the miscellaneous debit garnishment processing fee of {$100.00}. They have taken my time at the court house, the sheriff dept. and I had to research information which was extremely stressful. Not to mention the gas money to travel back and forth for weeks. I am not a lawyer! Therefore, I had to learn things and gather information and paper work that I am unfamiliar with. I still don't have an attorney. 

I demanded that they validate this information by providing me and the XXXX XXXX XXXX XXXX. We have tried to XXXX XXXX  XXXX XXXX for proof of records and asked that the law firm that took over this case to substantiate this debt. 

The case was recently brought to my attention for the first time as of XX/XX/XXXX. On that day I received a letter of ( XXXX ) XXXX pages in the mail from the XXXX department in regards to this case. 

I have never received any summons or been served by the court in regards to this allegation prior to this month, XX/XX/XXXX. When I received this letter I went to the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. in XXXX, CA. to inquire and receive a case file with ( XXXX ) XXXX pages of non-conclusive information, accusing me of an alleged debt with NO Authorized SIGNATURE of the acclaimed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Business Factors
State: MI

Complaint narrative:
NATIONAL BUSINESS FACTOR  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with XXXX Nevada XXXX XXXX XXXX I have disputed this successfully with both XXXX and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX I have no clue why they would bill me for XXXX separate instances XXXX years apart. Especially when XXXX has already removed some reports with regards to alleged debts to XXXX Nevada XXXX XXXX. 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was medical services rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXX XXXX XXXX of XXXX Nevada on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 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 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Upon receiving credit card ( AAdvantage Aviator Master Card ), I did not agree with the terms and conditions outlined in the information provided with the card. I decided NOT to activate the account by phone nor online. The account was never used and the credit card company subsequently placed a charge on the account that I never activated. I spoke with customer service who agreed the charges were erroneous against an inactive account and that they were removing charges and fees and ensured me the account was not active and would be closed completely with a XXXX balance on XX/XX/XXXX. I subsequently received several emails that this fraudulently active account was past due on XX/XX/XXXX, XXXX, and XXXX, XXXX. I called customer service back on XX/XX/XXXX regarding supposed inactive account and they indicated a mistake had been made and they would rectify it within XXXX to XXXX business days but would not email me verification of XXXX balance and closure of the account that I never activated. I'd like to make sure this fraudulently activated account is closed with no negative impacts to my excellent credit and that other consumers are aware of their dishonest business practices.

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 2023-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Im not sure which credit card sold my information to a third party collection agency. I am XXXX with mental and physical XXXX. I came upon some info on my credit report but no listing of where it came from. I see it was midland credit management. I called to figure out whats going on and the representative told me I should try to resolve this debt before legal action is taken. However I told him I am indigent and XXXX. I was calling to figure out a plan but thats not how you address customers especially when I dont know who sold you the debt. I never gave ANY credit card agency permission to sell my debt. Who do third party agency think they are to threaten people with lawsuits? XXXX sick people who need the help most. The credit card company who I still dont know because they have not told me had no right to sell my information to anyone. I am sick my health was down and I can not work. Who do they think they are to close my account after years and sell the info. Disgusting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX  is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all XXXX credit agencies and XXXX XXXX XXXX  still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP

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 2023-07-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX  is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all 3 credit agencies and XXXX XXXX XXXX  still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: TN

Complaint narrative:
XXXX XXXX XXXX  is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all 3 credit agencies and XXXX XXXX XXXX  still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BetterNOI, LLC
State: GA

Complaint narrative:
I applied for an apartment at XXXX XXXX  in XXXX, GA, and was advised that my app was denied due to Screenin Reports, Inc. 's information claiming I was evicted in XXXX of XXXX. This is not correct. I was not evicted in 2023 from XXXX XXXX XXXX XXXX nor were any legal proceedings brought against me at that time. I just had a court appearance this month in which I am voluntarily moving on the XXXX of XXXX thud no writ of possession has been ordered and any funds I still owe the landlord has been agreed to be paid monthly between the landlord and myself starting in XXXX. The landlord is not renewing my lease because due to unfortunate circumstances my son had to move in with me so he would not be homeless. Since this is a senior citizen development and I knly have a XXXX bedroom apartment the XXXX will not renew my lease whether I owed rent or not ; but I was not evicted in XXXX, and no proceedings were filed in XXXX, thus the information that Screening Reports Inc. is reporting is inaccurate and should be removed immediately so that I can be approved for another apartment asap. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are account on my credit report that I no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are account on my credit report that I no knowledge of.

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 2023-07-22 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: AZ

Complaint narrative:
A hard credit inquiry from XXXX XXXX was conducted on XX/XX/2023. I in no way authorized this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are account on my credit report that I no knowledge of.

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