vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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, this company has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructionsXXXX XXXX XXXX ( a ) ( XXXX ) ( a ) and XXXX XXXX XXXX ( a ) ( XXXX ) States that willful and negligent noncompliance by any person is liable to the amount equal to the sum of the actual damages. I had previously notified the company of these violations via notarized affidavits sent certified XXXX XXXX  mail XX/XX/2022, XX/XX/2022 and XX/XX/2022. This company has continued to infringe upon my right to privacy and violate me willfully and negligently. I have sent them an invoice of ( {$61000.00} ) the actual damages of their failure to remain lawful. I have given instructions of how I can be compensated. I just want justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
i was involve with in one credit acceptance law suit where Thousands of Massachusetts consumers, many of them first-time car buyers, put their faith in XXXX  to help them with an auto loan, but were instead lured into high-cost loans, fell deeper in debt, and even lost their vehicles, which the state of Massachusetts won and my debt was supposed to be resolved but time i talk to the supervisor is busy and should call again some time.

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 2022-10-24 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:
It has been and on-going issue with XXXX, XXXX and Transunion as for my attempts to correct information on all three of the credit reporting agencies. They have allowed several unknown persons to change my personal information and have my mail sent to them. All of which I did not give consent to the credit reporting agencies, nor was I aware of the new address changes until XXXX, when I started trying to get my credit in order, only to find many questionable items on my reports. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, listings of past due payments, collects dates, late payment all of which are inaccurate and unlawfully on my report. All three credit reports have completely different information listed on them. This is clearly grounds for removal they also violated my rights under XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more than 30 days to complete my investigation on these 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

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 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Regarding : Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX Aldous & Associates is posting a fraudulent account to my XXXX Credit report under different account numbers. On XX/XX/XXXX, XXXX validated the account as fraudulent and removed the Aldous Associates Collection Acct. for {$170.00}. 
Unfortunately, Aldous & Associates resubmitted the debt again for collection to XXXX under a new account number. I contacted Aldous & Associates in writing with the written documentation from XXXX confirming the account as fraudulent and removed it from my credit report. Each time it's removed Aldous & Associates reports the same fraudulent account to XXXX under a new account number. 

I was told by XXXX XXXX XXXX Aldous Associates that I need to have Aldous Associates dispute the collection account, which is not true. They are deliberately being uncooperative and XXXX. I was hung up on and my experience dealing with this company is hideous. 

I joined XXXX XXXX in XXXX XXXX. A few days later following an emergency room visit, I learned that I needed to have emergency XXXX and could not participate as an active gym member due to my health. I went to XXXX XXXX and informed them of my health matter. I was told to contact XXXX 's XXXX office. Based on my medical documentation, I called XXXX 's Corporate office and was told that the contract could be XXXX.I also paid any outstanding costs. I have the medical records, if necessary. The truth is that XXXX XXXX sold XXXX XXXX a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: GA

Complaint narrative:
Equifax failed to verify the Charge Off / Closed account and the total amount balance due is owed by me to XXXX XXXX for a permissible purpose application for credit pursuant to The Fair Credit Reporting Act XXXX. Disclosures to consumers [ XXXX U.S.C. XXXX ], Section XXXX ( a ) ( XXXX ) ( A ), and FCRA XXXX ( XXXX U.S.C. XXXX ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

I did not sign any such credit contract with XXXX XXXX  containing my full social security number and signature where I granted permissible purpose for a credit application. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: IL

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: CA

Complaint narrative:
I received a welcome letter with blank checks from Comerica Bank stating thanks for opening a checking account with us. I did not open an account with them and called and canceled and they advised to also put this report in

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: MI

Complaint narrative:
XXXX XXXX- sent a letter XX/XX/2022 - on the phone Ive tried to correct my name with Experian, I was told that my name would be updated to the correct spelling, they did not update my name correctly and also told me they could not update the name because its tied to a credit account. If that is not the correct name why is it being reported, and why cant it be removed. I can show identification, proof/documents of my name. They had my name listed 14 different time incorrectly on my credit profile.

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 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX HAS BOUGHT A DEBT THAT HAS BEEN PAID FROM VICTORIA SECRET AND NOW HAS SOLD THE DEBT TO ANOTHER COLLECTIONS AGENCY! Victoria secret, XXXX XXXX XXXX AND XXXX XXXX XXXX HAS BEEN CALLING, SENDING LETTERS, and reporting to agencys on my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
THE WRONG INFO WAS IN CHECK SYSTEMS AND I DONT KNOW WHY IM IN CHECK SYSTEMS I NEVER OWED A BANK.

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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On Wednesday XX/XX/XXXX I deposited a check that I thought was real, XXXX On Thursday, XX/XX/XXXX, I checked my account approximately XXXX, and the check # XXXX for {$14000.00} was posted and clear in my account. Later that afternoon I withdrew {$9000.00} and {$4900.00}. 
Had no issues with the account until Friday night XX/XX/XXXX approximately XXXX, when I checked my balance and saw that the bank had withdrawn the {$14000.00}, leaving me with a negative balance of - {$1900.00}. 
I understand now that it was a scam, not only on myself but also how the bank deposits checks and posts funds. 
I went to the bank Saturday morning and was told it was a courtesy that they post the balance, and that I am responsible for the money from that check, even though it was clear and in my account for almost 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a check from XXXX XXXX on XX/XX/2022 in the amount of {$1400.00} and deposited it into my checking account with Chase through Mobile Deposit on XX/XX/2022. Friday XX/XX/XXXX the funds from the mobile deposit were released to my account and no longer showed pending. Then Thursday XX/XX/XXXX all funds were shown to have been removed from my checking account and my account was completely closed. I called Chase customer Service twice, once on XX/XX/2022 then again XX/XX/2022 both times I was informed that the check could not be verified by the maker because no number for XXXX XXXX was in Chases Database. I then went into The XXXX TX Chase branch and spoke to someone and was informed the same information and was told to reach out to XXXX XXXX and get a phone number from them that Chase could call to verify the check. From there I went to XXXX XXXX in person and spoke to the cashiers office and was informed that the funds were released to Chase and then I was given the number to the head of the Cashiers office and the Vice President for obtaining verification. I again went up to Chase and informed an advisor of the issue and provided him with the number to XXXX XXXX XXXX XXXX and Cashiers office. I was then told that the phone numbers were not in the database and that they would not be able to call anyone to verify the check and the funds can not be released until Chase has verified the check with the maker. I then asked if verification could be made with XXXX since that is who XXXX XXXX banks with and was told that was not possible. From there I asked what I could do to obtain the {$1400.00} and was informed that the branch was going to submit a complaint to Chase and wait for a response. I was denied a copy of any of the transactions and was never given an alert to the account being put on hold or closed. There was no answer when I requested a timeline of when the situation would be resolved and was told there was no way to ensure me that it ever would be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group
State: AZ

Complaint narrative:
I payed off a debt years ago and yet I continue to get harassing calls claimed that I owe a debt and that I'm going to go to court. The latest calls have been from Phoenix Group XXXX According to the representative is ran by XXXX XXXX XXXX XXXX XXXX Not only am I getting calls but they are calling my work, my friends and family. I really need help in getting this to stop. It is adding tremendous stress to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Letter dated XX/XX/XXXX, did not get in the mail until XX/XX/XXXX stating I owe money for something I have no idea what it is for. Says the account was created in XXXX principle balance XXXX and interest of XXXX interest and fees of XXXX. Saying this was sold to XXXX. 
Received another letter dated XX/XX/XXXX did not get not get in mail until XX/XX/XXXX. 
Sent Resurgent a notification to let me know what this account is for, currently waiting on their response. 
Also why would it take them 4 years to contact me?

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 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
My medical bill was charged not from XXXX XXXX XXXX under auspice that my medical insurance would cover for it but didn't. I got a surprise OUT OF NETWORK bill that my XXXX XXXX XXXX XXXX XXXX didn't cover. I was billed under XXXX XXXX XXXX XXXX. Nowhere on website XXXX XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX XXXX is covered. I shouldn't pay for OUT OF NETWORK bills. XXXX XXXX XXXX has a list XXXX XXXX XXXX that shows that XXXX XXXX XXXX XXXX XXXX is covered. Without XXXX XXXX XXXX XXXX not publishing the right on what is covered, they knew that the hospital charge wasn't covered and would charge me anyway. I shouldn't pay for {$230.00} on charge not listed on XXXX XXXX XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Please see attachments. XXXX XXXX is violating my privacy and consumer rights, the FDCPA and FCRA. XXXX XXXX is using fraudulent and abusive practices to collect on a debt they do not own nor do I. XXXX XXXX is trafficking my nonpublic personal information unlawfully and using such illegal acts to coerce a payment that i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing inaccurate information that TransUnion is reporting for my XXXX records .This is in reference to a Bankruptcy that was filed on XX/XX/2018 XXXX XXXX this XXXX  XXXX bankruptcy petition was dismissed but TransUnion has it labeled as discharged and it was never discharged because I withdrew my petition so they dismissed it. By TransUnion reporting this information inaccurate it is doing harm to my credit report. I just want them to update it correctly or remove it.

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 2022-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
my bank account and all of my money has been locked by chime bank. At first I received an email from them saying there was suspicous activity on my account so I immediately called chime and was told that this was a scam because it came from chime outreach and there was no such email address associated with chime only XXXX so I did what I was told and disregarded it. Then my account was frozen so I contacted them again and submitted everything they asked for XXXX times over the last 8 days with no response or support other than an automated acknowledgement email. I have called 6 times trying to get it resolved and they tell me they have received everything will unlock it after reviewing it on support end but nothing has been done and I am working full time and I am a full time student and I can not buy gas or food or anything else. I have changed my future direct deposits but I get paid byweekly and have a whole week before I get paid again. This is my money not chimes.I have done everything over and over again with no avail.I need my money to survive on.Please help me and stop chime from doing this to other hardworking people. Respectfully submitted XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a XXXX to XXXX challenging a collection account from XXXX that did not belong to me. It was then deleted from my credit report. XX/XX/XXXX I noticed the collection came back with a different name. The name is 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
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
A debt of {$1000.00} is trying to be collected from me from a company called MBA Law on behalf of XXXX XXXX. I have never used or heard of either of these entities and I owe no debts for any medical care. After doing research on this company, many people have complained of phone calls from this same company from multiple different phone numbers asking for debt to be collected. This is fraudulent activity that must be stopped. The only way I found out about this is through my credit score, I have received no mail and no phone calls about this fake debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
My wife and I have been working with XXXX XXXX XXXX and XXXX XXXX of U.S. Bank Home Mortgage for WEEKS on an application for a home equity loan on our vacation home in TN. We passed the application process and were finished with the document submission process. We submitted every single document requested. We have received Disclosures along the way. We have had email and phone correspondence during the process. On Friday, XXXX sent what appeared to be a form message saying that our collateral does not qualify because it was on XXXX for over 90 days. This was not new information. It was explained at the outset at the very beginning of the application. We dont understand why this was this mentioned after the fact and like this. We relied on this process and the disclosures and have signed an agreement with a contractor who has started work. How can U.S. Bank Home Mortgage pull the rug out from under us now? Neither XXXX nor any of the managers we contacted to question this action have responded to us. This is NOT how a company like this should be doing business. It's unconscionable. Our primary mortgage for this property is with US Bank Home Mortgage, and we have been good customers. Theyve already done the appraisal, paid for by us, to determine the equity, which happens to be greater than the mortgage balance. If U.S. Bank Home Mortgage will not do the right thing here, we will publicize our experience EVERYWHERE and refinance the entire loan somewhere else. Please dont let them get away with this.

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