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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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: 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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: ERC
State: OH

Complaint narrative:
I filed a complaint with CFPB on XX/XX/XXXX I have recieved 2 letters from Collections companies who were unable to send me written verificaion stating the account belongs to me. Ive called XXXX and tried tp upload documents so these accounts can be removed but they have put a time frame on it so if you dont upload it in the small time they give you it kicks you out the system. Once i knew that i finally got it thru. I ve also called XXXX  and the representative told me they had no way of uploading the documents and i would have to send out another certified letter which all these letters are costing me. I asked the representative i know they dont open all the letters and that was the reason for my call to get it handled over the phone so my letter wouldnt just be sitting there. He was unable to help me. Im uploading the letters from Enhanced Recovery and XXXX. XXXX, there did not send me any of the documentation i asked to prove these accounts belonged to me. XXXX  sent me a letter that i dont even have an account with. Also enhanced recovery sent me a letter asking that i send them my personal information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc
State: OH

Complaint narrative:
Ive received over 50 calls from this company Tate, Kirlin & Associates. No voicemail were ever left and I assumed it was a spam call and disregarded. Due to the excessive calls that I was receiving I finally answered and on XX/XX/XXXX at XXXX I advised the caller to please not call me as they are calling my cellphone and calling during work hours and causing issues and distraction from my work. The caller then disconnected. I again received calls on XX/XX/XXXX at XXXX caller did not speak and disconnected call. I received a call on XX/XX/XXXX at XXXXspoke with caller and again advised I had already explained previously on XX/XX/XXXX that this is my cell these are work hours and to cease communication as this is causing me an issue with work. I was advised I was being removed. Another call on XX/XX/XXXX at XXXX spoke with XXXX and again advise the same as I did on the previous calls, XXXX said she will remove me from list. At this point I advised my rights were being violated and requested company mailing address, and name. Initially XXXX tried to disregard my request and said Ill remove you I told her thats what I was previously told and continue to receive calls. Today XX/XX/XXXX at XXXX I received a call, the caller disconnected. I called the phone # back and made contact with female rep who did not provide name-advised I was requesting company info as Im still receiving calls and will be exercising my rights under FDCPA laws- the female asked was the phone # I called in from the number they called. At this point that information is irrelevant Ive spoke with someone on more than one occasion and Im still getting calls. The female rep hung up on me. I called again and spoke with XXXX who first wanted to verify my identity before providing company information, due to me declining to verify information XXXX declined to provide any information. At this time your company has displayed a clear issue with harassment based off the excessive calls prior to contact and based off the repeated calls to my cell phone after I told to cease communication, Im working and this is my cell. Im requesting compensation under the FDCPA Act section 806 for harassment and abuse for each phone call after contact was made and advised to cease calling in the about of {$1000.00} per call and under section 805 communication in connection with debt

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: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE
State: SC

Complaint narrative:
I asked for a payout on XXXXXXXX XXXX to sell my home. I was set to close on Friday XXXXXXXX XXXX. I was contacted by the closing attorney XXXX XXXX XXXXXXXX XXXX that there was a lien of {$2000.00} the payoff did not include. I spoke with XXXX, XXXX, XXXX, and XXXX, and others, no one was able to help me, because The Money Source did not file the proper paperwork with HUD. The money source only communicates with HUD on Wednesdays, and I was told this could take up to 3 weeks to resolve. The buyers have backed out of the purchase because this is too long of a wait, leaving me back to square one. The money Source prevented me from selling me home and paying off the mortgage. I called on XXXX XXXX, twice. XXXX XXXX, twice and XXXX XXXX. As well as the closing attorney who spend hours trying to resolve this issue.

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 — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
1 ) The scam started with an email thanking us for their business, and it appeared to indicate that we had already paid them money. 
2 ) The attached invoice appeared to have come from a company called " XXXX ''. 
XXXX ) There was a phone number which my wife called to find out more information and to get our money back. 
4 ) She was at the time paying bills using the Bank of America app on her computer. 
5 ) The perpetrator said they would refund us the money and asked my wife to download a file to facilitate this transaction. 
6 ) The perpetrator then asked her to enter the amount of the refund to them, but when she entered {$600.00} dollars, it immediately changed to {$60000.00}. 
7 ) That is when the perpetrator tricked her into thinking that she had " taken '' {$60000.00} from their account into our account. 
8 ) They asked her to quickly run to our bank and obtain a cashier 's check for the {$60000.00} minus the {$600.00} ( {$59000.00} ) XXXX ) She was given the bank account number, routing number, and company name to make the check out to. 
10 ) After obtaining the cashier 's check, without any questions from Bank of America, she took it to XXXX XXXX to deposit.

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 card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Around a year ago American Express Bluebird prepaid debit card division permanently suspended my Bluebird debit card while it still had a huge balance that I can no longer access. 

They then sent me an email claiming that their fraud detection algorithm detected what they believe is my violation of section 22 ( d ) of the Bluebird Member Agreement. 

They refuse to state what behavior or action I did that caused this algorithm to suspend my account nor did they give me any ability to appeal the decision. 

The first dozen calls to American Express outsourced call centers initially gave me hope because the poorly-informed, poor quality, and poorly-trained customer service reps said they just needed to contact my local bank about my main bank account to verify its ownership by me then they would be able to reinstate the card. At the time they couldnt because it was after bank hours. 

The next day I requested to speak to a supervisor since I could not easily understand the reps that would initially answer the phone. They clarified and said I was permanently suspended with no way of fixing the issue on their end and I would have to write a letter to their corporate po box if I was upset with the outcome.

Company response to consumer: Closed with non-monetary relief
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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 — Investigation took more than 30 days
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Thank you for forwarding the company response letter re : XXXX. I receive you copy on Wednesday. I called the number indicated on the letter and spoke with another phone rep, paid the balance in full, even though I have been reporting this as a fraudulent billing since XX/XX/XXXX. The letter stated because I didn't comply with their rules and speak to the second phone representative they never opened an investigation in the three ( 3 ) unauthorized billings. They noted in their letter I had called previously and spoke to one rep but did not stay on the phone to speak with the second fraud expert. I had waited approximately 20 minutes and no one answered the phone. Now I am being threatened with continuous late fee of {$39.00} and negative credit reports This Thursday when I paid the bill I was again put on hold for the other service rep, again no one answered the phone. The first representative was very nice and interrupted the elevator music on numerous times, apologized for the delay, said she was trying to contact the other representative, but after waiting 30 minutes I again hung up. My phone indicated I was on the phone call for 40 minutes. No body answers the phone to initiate a fraud investigation! On XX/XX/XXXX, I received an email, the payment was received by Avant.

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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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

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: 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: IN

Complaint narrative:
On XX/XX/XXXX, a phone call from a company that pretended to be Enhanced Recovery Company ERC - a debt collector called me Another phone call from the same number came on XX/XX/XXXX. This time I did answered, and the voice asked if my name was XXXX which I responded with a question, who are you? the person asked me if I've had bought or acquired in the past a vacation plan I did reply, I'm not interested on vacation plans and finished the call On XX/XX/XXXX, I did call the real ( legally authentic ) ERC, to get answers on their phone call. The ERC rep stated that they do not have anything on me. No reported collection or anything. So, it was a scammer call pretending to be ERC Immediately, I contacted an identity protection company, which helped me to place a " Fraud alert '' on my credit. 
Please advise on anything else I can do on this situation Thank you.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

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 — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Revenue Corporation
State: TX

Complaint narrative:
I set up a payment plan with the company and paid on it on XX/XX/2022 and I am receiving phone calls again regarding the same debt. The gentleman on the phone said I owed the full amount and I asked if this was the same amount that I had a payment plan on and he said he wouldn't have it if it was and then researched it in the system to find out if I had a payment plan on it and discovered I did. Why would I continue to have phone calls about a debt if it is being paid on. This is harassment since I have already agreed to pay the debt.

Company response to consumer: Closed with explanation