vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
On XX/XX/XXXX, I contacted Rent Recovery Solutions, LLC of XXXX, XXXX regarding the claim of an unpaid debt, stemming from my previous landlord in the amount of {$240.00}. Rent Recovery Solutions filed a collection to the credit reporting companies stating that I owed money to them to pay off the outstanding balance. However, the balance was paid in full to the leasing office and the check was cashed on XX/XX/XXXX. Rent Recovery Solutions last reported this to the credit reporting bureaus on XX/XX/XXXX, despite the account being paid in full in XX/XX/XXXX. 

I had noticed this outstanding balance on my credit report during the first week of XX/XX/XXXX and first contacted the leasing company to inquire. They reported that the balance was {$0.00} and would be contacting the debt collection service. However, they failed to do so. 

In my conversation with Rent Recovery Solutions, they claimed that I still owned the amount and said they had been sending me notices via USPS mail for several months. I confirmed my address with the company and said that I had not received any of the notices. We have lived at the same address and since moving from the leasing organization 's apartment and have not received any correspondence. I explained my frustration with the process and how because the debt collection company reported this to the bureaus, my credit score, and my wife 's credit score dropped by more than 100 points. The agent on the phone explained that she would look into and contact the leasing office. 

I again contacted the leasing office a second time, and received the ledger showing my balance of {$0.00} and the check number from when I paid off the account. I confirmed this information with the leasing office. 

I yet again contacted Rent Recovery Solutions, who said that they still needed to look into it, despite me being able to mail and email them this information. I told them I would give them one week and would be checking on this to ensure it was fixed and corrected with the credit reporting companies. The company claims that an address of " XXXX '' and not " XXXX '' was the reason the USPS was unable to deliver any of the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My credit report continues to show a balance on my Chase United Explorer account of {$5100.00}. There has been no update since XX/XX/2022 and I have paid down the balance significantly. I contacted Chase Bank and they claimed they could only start reporting the correct amount after I sent them a letter stating that the dispute I was had with XXXX XXXX XXXX XXXX XXXX was settled in a Small Claims case in XXXX XXXX. 

This statement should suffice and I am demanding that Chase start reporting the correct information to the credit bureas for my Chase United Explorer Account under te name of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: NY

Complaint narrative:
Commencing on or about XX/XX/ 2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the client losses to gains. 

It should be noted that the Company, which is a client of East West Bank, registered as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX is committing financial crimes right under their nose, which involves, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX XXXX account in the total amount of XXXX USD utilizing their services ( See attached or reference ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: GA

Complaint narrative:
XXXX previous complaint inconsistencies were not removed from report. Credit reporting agencies have no written authorization for reporting all items listed on XXXX complaint. Therefore from their refusal to abide by law, and obtain written consent, all items from XXXX complaint must by removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Affirm Holdings, Inc
State: WI

Complaint narrative:
I have documentation from AFFIRM that the two accounts they reported were to be removed. They are not correcting the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
Seeking pre-approval for home loan discovered debt of {$300.00} to Radius Global Solutions. Remember receiving phone call from someone claiming I owed them money months ago. Told individual on phone if I owe them money to send me a bill in the mail or email as all businesses do. Never received any email or mail regarding so. Assumed it was a scam. Still think it is. I have no documentation to upload as I have recieved no documentation of debt owed from said company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 explanation
Consumer complaint received 2023-05-08 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I filed bankruptcy in XXXX in XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX  they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TX

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 2023-05-08 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX  XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schrier, Tolin and Wagman, LLC
State: MD

Complaint narrative:
i have sent numerous debt validation letters to Schrier Tolin & Wagman and their client and they keep responding with incorrect responses first they responded with the incorrect information which had absolutely nothing to do with the money claimed i owe i sent a second request they responded with an application no signature ( document attached ) looks manufactured to me this does not constitute debt validation ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 2023-05-08 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Someone called my cell saying they are the fraud dept of citi bank and I need to withdraw immediately {$1900.00} from my checking accouant purchase XXXX gift cards give them the card number and access code asap .When I got back home I got the same thing with my XXXX XXXXXXXX XXXX XXXX I withdrew {$1000.00} from different accouant because I did not have the amouant in one accouant. I was told in 6 hours the money will be back in the accouants.Never happened. I called the bank and I was told to contact the police XXXX XXXXXXXX XXXX Police report # XXXX.XXXX from the fraud dept told me he changed the ip address on my computer the new onw is XXXX I did a FTC report too # XXXX. Then today XXXX  XXXX XXXX told me to call XXXX to see if I can stop the gifts cards XXXX said its too late here is the XXXX case # 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 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I noticed a {$72.00} charge on my ( Citibank ) credit card that I did not authorize ( dated XX/XX/XXXX ). Through my Citibank online portal, I clicked a linked on the unauthorized charge labeled, " Dispute Charge ''. The next screen was boldly titled, " Dispute a Charge '' prompted me to select a " Reason for Dispute '', and I selected an option labeled, " Charge not recognized or authorized ''. There was no link or verbiage to select any reason that had to do with 'fraud ' or 'fraudulent charge '. I clicked a button at the bottom of that screen labeled, " Continue '', which took me a final screen ( also boldly titled, " Dispute a Charge '' ) that asked me to click another button at the bottom of the screen to " Verify your Dispute ''. After doing so, I received no email, phone or text communications from Citibank notifying me of what I had initiated and what I could expect to happen next. Days later, when attempting to use my credit card, it was declined and I called Citibank to inquire why. I was told that I filed a fraud claim. I explained that I did NOT file a fraud claim, I simply " Disputed a Charge ''. I've called Citibank back numerous time and each time, I'm told that I did not " Dispute a Charge '', but I did " File a Fraud Claim ''. It's my understanding that under the Fair Credit Billing Act, Citibank is intentionally misleading their customers into filing fraud claims without making clear the process for and repercussions of doing so, thus removing my legal right to be made aware of the fraud claim process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: NC

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 2023-05-08 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 explanation