vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 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:
CONSUMER EXPERIAN.docxXXXX  XXXX ss # XXXX XXXX : XX/XX/1966 XXXX XXXX XXXX. 
XXXX, XXXX XXXX TO WHOM IT MAY CONCERN : EXPERIAN RE : XXXX XXXX XXXX XXXX ACCOUNT NO # XXXX I XXXX XXXX noticed on the EXPERIAN REPORT this account with XXXX XXXX XXXX listed on my consumer report. Your company is in clear violation of the law. Under 15 USC 1861 ( b ) Permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give you EXPERIAN written INSTRUCTION to furnish this account with XXXX XXXX XXXX on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681 ( 2 ) ( a ) ( i ). Exclusions a consumer credit report clearly states ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) term CONSUMER REPORT Does not include -- - ( A ) Subject to section 1681s-3 of this title, any report containing information solely As to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE AND REMOVE THIS ACCOUNT PERMANENTLY FROM MY CONSUMER REPORT. 
This Experian agency is in violation of 15 USC 1681. I strongly believe that you have violated the FCRA And are NON-COMPLIANT with what you have reported. I am stating this because you have violated my privacy as a consumer. Please supply me with proof that they were compliant with the FCRA and more Specifically with the Industry standards of reporting electronically. 100 % certified and authenticated Testimony that they were compliant. 

Failure to respond satisfactorily with a deletion of the above-referenced account will result in legal actions being taken against your company. For which I will be seeking. Defamation, Fair Debt Collection, Fair Credit Reporting, Negligence for which per violation is {$1000.00}. 

Once removed. I request that you send me an updated copy of my report discovery? 
Enclosed : is a copy of my Identification and a bill of my abode.

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 2021-11-29 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I log into My.Equifax.com, my dashboard shows XXXX open dispute. I am trying to get a mortgage to buy a home and my lender will not issue a clear to close because my Equifax credit report is showing an open dispute. Dispute confirmation number : XXXX This dispute on XXXX XXXX XXXX was opened in XX/XX/2020. It is still showing Active in error. This shouldve been closed within XXXX  days. I called Equifax XXXX  times. I spoke with a rep who stated that there are NO OPEN disputes on my credit. 
I explained that their website says differently and gave her the confirmation number for the open dispute in question. She verified that this dispute has been closed for almost a year. 

I spoke with a manager who stated the same. Both stated there is no email where I can send screenshots of the error and no one else I can speak with to correct the error. 

Im XXXX XXXX XXXX. This is causing a huge XXXX for me and I am unable to close on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent about my accounts dated last XX/XX/2021. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time allowed by law and continuously reported as unverified information on my Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX- XXXX {$0.00} XXXX  XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
This debt does not belong to me. I have never received treatment from this facility or medical group. I live in Arizona and this is in CA. The address on the letter is not mine nor has ever been mine. Per phone call made on XX/XX//21 XXXX  told me to bad thats what the company reported ( XXXX ) and I owe it. Asked to speak with a manager and she put me on eternal hold. 

I have called the medical group reporting spoke with XXXX and was transferred to a mangers voicemail ( XXXX XXXX ). No call back yet. 

This is fraudulent and I will also be contacting the states attorney office as well.

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 2021-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I am a homeowner currently attempting at refinancing on a better rate in order to afford my monthly payments. 
On XX/XX/2021, a call was made to FedLoan Servicing to verify my monthly payment in order for to qualify for the rate. XXXX, a third party, and myself, were on this call and confirmed total of {$33.00} as per the XXXX XXXX XXXX plan. 
I soon found that lenders at XXXX XXXX needed me to be out of forbearance and a written letter to further verify and document this amount. 
On XX/XX/XXXX, XXXX of 2021, I contacted Fedloan Servicing again and was told the {$33.00} was in fact the amount I would need to start paying to opt out of forbearance. In order to provide the letter to XXXX XXXX, I had no choice but to opt out of forbearance and prove this amount. I spoke to multiple " loan counselors '' who again confirmed the XXXX amount and asked for a letter to send to my lender, which was not provided. XXXX # XXXX and XXXX # XXXX of Fedloan Servicing were the last two people I spoke with that confirmed yet again, the XXXX monthly amount due after opting out of forbearance. I made a payment of XXXX on the day this amount was due, XX/XX/2021. 
Today, XX/XX/2021, I am beyond stressed and distraught as there is an amount of {$180.00} due and a status of delinquent. This week was going to be the week my documents would go to the refinance loan underwriter once I collected this last pending document stating the amount I had verified of XXXX, but will surely be denied because of the time I would need to fix this issue. My rate lock will expire a week from now and by the time this complaint is received and processed it will be too late. 

Another note worth mentioning is I am currently under the XXXX program with only XXXX months being credited as payments out of the XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I openend an account with Binance US to purchase XXXX ( XXXX ) When I try to withdraw my funds, they keep saying the funds are not available and are on hold for 10 days. This keeps happening. They are holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
ALLY FINANCIAL SERVICES HAS REPORTED OVER 30 DAYS OF DELINQUENCY REDUCING MY CREDIT SCORE OVER 30 POINTS. THIS LOAN WAS NEVER FINALIZED AND THE DEALERSHIP RECEIVED THE FUNDS AND KEPT THEM OVE 60 DAYS WHEN THE VEHICLE WAS RETURNED IN 3 DAYS AND THE DOWN PAYMENT OF XXXX WAS SURRENDERED TO MY SON XXXX XXXX. I HAD BEEN TOLD BY ALLY 'S COLLECTION MANAGER THAT THIS WOULD BE TAKEN CARE OF AND THE CREDIT BUREAU WOULD BE CONTACTED AND I WOULD RECEIVE A LETTER STATING THE THE MISTAKE WOULD BE CORRECTED. INSTEAD, I HAVE RECEIVED XXXX LETTERS FROM ALLY AND A XXXX $ REFUND CHECK A NOTICE TAKING ME FOR PAYING THE LOAN WHICH I HAVE NOT CASHED BECAUSE I DID NOT PAY THE LOAN OR DID I AGREE TO THE TERMS OF THE LOAN. WITH THE CALLS AND LETTERS AND HEADACHES THIS HAS CAUSED THIS SHOULD BE REFERRED FOR LEGAL ACTION. NO ONE SHOULD BE PUT THROUGH WHAT THEY HAVE SUBJECTED MY SON AND I TO.

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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
wells fargo accounting seems to be set up in a deliberate way in order to charge fees to customers. on XX/XX/21 i had an ending balance of a few dollars. on XX/XX/21 i received multiple fees for NOT having money to cover charges that CLEARED on XX/XX/21 AND still had funds in my account. XXXX explanation on XX/XX/21 : those charges were pending and you didnt have the money in the account ; HOWEVER as clearly identified in my acct summary, the money WAS in the account AND the charges already went through! this happens far too often. werent they already sued for this practice?!! so they are continuing a practice they were sued for!

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 2021-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECK INTO CASH INC.
State: IN

Complaint narrative:
I recieived an email from CC IN Holdings ( CCrecoveries ) back in XXXX and never recieved a letter via mail. It was disputed via email and on the day after XXXX, CCrecoveries debited {$800.00} out of my checking account without my permission or authorization. There are no legal matters filed against me and they had no authority from me to take a payment as I never authorized such payment. They should not be allowed to debit accounts without consumer knowledge. I was traveling with my children and could not get gas because they took that amount out unauthorized. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Porsche Financial Services, Inc.
State: GA

Complaint narrative:
Auto loan was paid in full due to the manufacturer ( XXXX ) buying my vehicle back due to electrical issues, i received a notice today XX/XX/21 that i now have a 30 day late posted to all three of my credit reports, called Porsche financial and was told this was due in error and should NOT have been issued a 30 day late and would submit a deletion but would not give me a confirmation of this deletion request. 

Account # XXXX The action from Porsche financial has severely impacted my credit scores in a negative way and should be treated with the utmost of importance to rectify their wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: Early Warning Services, LLC
State: FL

Complaint narrative:
You continue to ask me for information regarding this account when the law states that YOUR COMPANY must share documentation with me verifying the reporting of this account. Anyone or any company could put anything they desire on my consumer reports. Without proper verification, I can be responsible. 

According to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). You must provide me ANY original documentation ( a consumer contract with my signature on it ) as required. You have violated this law. ( {$1000.00} fine ) According to the FCRA Section 611 ( a ) ( 7 ), Furthermore you have failed to provide the method of verification as required. Your company has violated this law. ( {$1000.00} fine ).

Since you have not properly and lawfully verified this account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Your company has had several lawsuits filed against you for lack of proper verification.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/ 2021 i was victim of the XXXX scam through Chase bank. 

I was looking for XXXX customer support to return an item and i found a number that i called and they pretended to be XXXX ( XXXX XXXX XXXX ). I asked to return an order ( value of {$320.00} ) and they told me that we needed to use XXXX through my bank, it did sound strange at first but since i don't call XXXX very often i thought it was a new way to do things. 

They asked me to download a screen sharing app called XXXX on my phone. I followed what they were telling me as i did not know that they were actually not XXXX. They also called me back from a different number XXXX XXXX XXXX. They guided me me through setting up a XXXX recipient and attempted sending {$1300.00}. The recipient they have set up is below : XXXX Refund Memo : Refund ID XXXX verify email : XXXX Amount : {$1300.00} XXXX asked why am i sending money to them if this is a refund and they mentioned that it is just a code and i will see later. They were having issues with the first payment so they tried a second one to a different email and amount ( {$490.00} ) details below. At that point the bank called me and managed to stop the second. They tried to call me for XXXX times while i was on the phone with the bank from the XXXX XXXX XXXX number but i never picked up. 

XXXX XXXX XXXX XXXX : {$490.00} The first one unfortunately went through for the {$1300.00} amount. 

I tried calling back the XXXX XXXX XXXX number to ask for the money back. I managed to talk to the same person but obviously they told me that i have hanged up the call so money is lost. My wife tried to call that number and she left a voice mail and the lady named XXXX XXXX called back. They were very nasty with us. 

Why Chase doesn't request verbal approval from the customers on all XXXX payments? Especially when they know about the XXXX scam and that i never made a XXXX payment in the last XXXX  months. I am really frustrated as i think Chase should have better protection for the customers and not just allow a scam to happen like this. If they see a XXXX payment made to " XXXX Refunds '' it should be a red flag and should be stopped to protect people from being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: WA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Skopos Financial, LLC
State: SC

Complaint narrative:
Ive reached out to this company several of times over the past XXXX  years in regards to this inaccurate item, even sent letters demanding proof and to no avail they failed to respond, even after the deadline. This inaccurate item has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to this inaccurate and old item I havent been able to find decent work to take care of my household and other expenses. I am seeking legal action towards Skopos Financial for XXXX XXXX XXXX XXXX  and XXXX and interfering with me able to take care of my family, due to lack of work because of this inaccurate item.

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 2021-11-29 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: CA

Complaint narrative:
Trying to remove unknown inquiries from my credit report. 
I have no knowledge of these listed. 

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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