vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Account # XXXX This account is paid in full. I have attached a receipt XXXX XXXX XXXX emailed to me after receiving payment in full. 
Please remove this account my credit report immediately 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 explanation
Consumer complaint received 2023-08-24 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:
in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX  XXXX XXXX, XXXX. account number # XXXX. 

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

15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years.

15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX XXXX XXXXXXXX XXXX, XXXX. account number # XXXX. 

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

15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years.

15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I have contacted the company and spoke with a representative who assured me she will file a dispute, Ive sent letters letting them know that the debt was a result of identity theft. I have never lived at the address that the debt is associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors that has caused denials. looking over my report these errors an items are not accurate on all 3 credit file. please review an remove the requested items listed in the files asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CCF Intermediate Holdings LLC
State: UT

Complaint narrative:
I received a letter today from a company that I believe is a scam. I have only once ever applied for a payday loan and paid it back right away, let alone any time recently. Since I have purchased this new house in XXXX, I have received many scam attempts from mortgage insurance and the like. After doing research, the website XXXX  and associated website I found online XXXX are reported to be very new and are a potential threat. The letter came by mail to my new address which I am sure is public record because of the sale of my home. I have not called the phone number ( XXXX, which is being reported by an archived web address of also being XXXX ) associated with the website, interacted with any buttons or links on the website, and protected myself behind a firewall and VPN. They have my last four SSN on the document, and a credit score, which is much higher than my current reported score. They have given me 5 days to pay, according to the letter. They are threatening legal action, wage garnishment, and liens on my property and bank accounts. They are claiming I committed wire fraud by closing an account that I submitted a request to obtain a payday loan from. I certainly have done none of the things alleged. I hardly ever use checks and they are all accounted for. I have never used any service called CheckIntoCash, ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was notified by our lender when applying for a home that my Equifax report is coming back with an issue and that I would need to call Equifax to get it resolved. I called Equifax on XX/XX/XXXX and was told that I would need to mail documentation of my social because I was not pulling up in their system. On XX/XX/XXXX I overnighted through the post office my W2 and a copy of my drivers license. I called multiple times and they said nothing was received. On XX/XX/XXXX I received mail from Equifax stating that they received my information but they were unable to locate my credit file. I called Equifax again on XX/XX/XXXX and they told me that a lady by the name of XXXX XXXX at the address of XXXX XXXX XXXX in XXXX, IL was using my social, but they could not tell me any more information. I went to submit a report with the FTC on XX/XX/XXXX and they asked if this woman had used my social to open any accounts. Of which I did not know the answer to, so I called Equifax back on XX/XX/XXXX and they said we can't find you in our system. I hung up and then called back and asked to speak with a supervisor. XXXX, the supervisor stated that if he could pull up the documents I sent in he might be able to figure out what is going on. After being on hold, he then comes back to tell me that they can't find the documents that I mailed in. So he wants me to mail them in again. I asked if there was any other options as clearly their mail does not get reported correctly as I got a letter stating they got my documents, but now no one can find the documents. The only way to send in the documents is through the mail. This is concerning because if these documents are lost, how do they know that they did not end up in the wrong persons hands? And now I have to mail documents again and hope that they make it there and are recorded correctly. Please keep in mind that XXXX as well as XXXX have XXXX issues with pulling up my information. It is only Equifax that I am having issues with. This is delaying our home buying process and it is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: T.S. Holdings
State: CA

Complaint narrative:
I owed XXXX XXXX {$2500.00} i reached out to them to pay it and they stated to reach out to the IQ Data collection I paid the amount owed however they are stating this case was sent to their lawyers and we owed them lawyer fees and interest total {$1700.00}. He stated we also have a court hearing which we never received got very aggressive in the phone call and stated what are you gon na do about it! I informed him its a good thing this was all being recorded since he was being very unprofessional. He also stated that they will be garnishing our wages soon if we didnt pay the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Account # XXXX This account is paid in full. I have attached a receipt XXXX XXXX XXXX emailed to me after receiving payment in full. 
Please remove this account my credit report immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: GA

Complaint narrative:
I am submitting this complaint to XXXX  due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/XXXX, I filed XXXX  XXXX Bankruptcy with XXXX XXXX XXXX in XXXX, GA. I had a mortgage through Wells Fargo Bank for my home in XXXX, GA. I filed the documentation to reaffirm my home loan and car loan. Home loan was with Wells Fargo Home Mortgagenand car loan with XXXX XXXX XXXX XXXX. Never had a problem with my car loan. But, with Wells Fargo, I continued to pay my mortgage from XXXX  ( bought the house in XXXX  ) to XXXX  when I tried to refinance. I was told that Wells Fargo no longer had me listed on the deed and that technically, I didn't own the house. I'd have to go through the " closing process '' again to get my name attached to the home again. I asked if I wasn't attached, then I could walk away. They said yes. But, a year or so later, I was notified that they had filed a foreclosure on me and sold my house at auction. I paid for the home for 10 years, never late, never missed a payment and they let me do that but never told me they didn't reaffirm the mortgage. Once I walked away with nothing as I just decided to accept defeat because what am I going to do against a bank, I don't have that kind of money to fight them. They filed a foreclosure to cover themselves and I lost my home, 10 years of investing in that property, and it showed up as a " K number '' when I tried to buy another home in XXXX. I was then told that I had to wait seven years to file for another government loan. I never thought I could do anything about it, but since they've been shown to be a bunch of crooks, I thought I'd try now.

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 2023-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I terminated services with XXXX XXXX end of XX/XX/XXXX. I didnt not receive a bill in XXXX. I called in XXXX and was told by XXXX XXXX representative that I owed nothing. I received a bill dated XX/XX/XXXX that I owed XXXX dollars. On XX/XX/XXXX XXXX XXXX billed my bank account for {$230.00}. Bc they did not bill me in XX/XX/XXXX or XX/XX/XXXX I was able to have my bank reverse the payment. I received a bill stated XX/XX/XXXX that I now owe {$250.00} which includes a {$20.00} return payment fee. I spoke with XXXX XXXX multiple times that I dont owe anything according to the bill I received from XXXX XX/XX/XXXX stating that I owed XXXX dollars. And that I would need an itemized bill explaining the debt. And mentioned they have not bill me since XX/XX/XXXX. Which was paid on XX/XX/XXXX. XX/XX/XXXX I received a letter stating that I owe {$250.00}. XX/XX/XXXX I received a final notice for {$250.00} if not paid account will be turned over to collection agency. XX/XX/XXXX I received another bill from XXXX  stating I owe {$250.00}. XX/XX/XXXX I received a letter from AmSher collection services that I owe {$320.00}. Needed to dispute the debt by XX/XX/XXXX which was required by the collection agency. I did. And the collection agency received my dispute. They were supposed to stop all collections on the account till the debt was validated. As per XXXX XXXX, On XX/XX/XXXX AmSher collection agency reported to my credit report. XXXX XXXX then sent me a letter dated XX/XX/XXXX stating here is the information I requested. Showed that on XX/XX/XXXX bill for {$320.00} which includes {$64.00} for one time charge for collection fee. I receive another letter from XXXX dated XX/XX/XXXX that I requested a copy of an invoice. The invoice is dated XX/XX/XXXX and states i owe XXXX dollars. I have not received any response from AmSher collection agency nor an itemized bill from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED- RECORDING 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT

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 2023-08-24 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: AL

Complaint narrative:
I am a victim of identity theft, the credit account XXXX XXXX that is on my credit report for charge off amount of {$240.00} is not mine. Fraudulent information is being reported on my credit report and Experian, XXXX and XXXX have all neglected and refused to remove fraudulent account.

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 2023-08-24 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: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
Credit collection agency reporting medical bill due. I did not have a XXXX XXXX XXXX XXXX XXXX bill this year. They show I had charge in XX/XX/2022. I have medical insurance anytime I go to XXXX. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
called XXXX XXXX customer service number to get help with a deposit my daughter sent me and it wasnt applied yet so i called for help. a guy got on stating he was XXXX XXXX  customer services and can help my get my money he just needed to verify some information. i am new to XXXX XXXX  and did not know their protocol. the guy had me download an app and he moved through the process to get my money to me. he had me transfer money to my daughter then had her send it back then he did some sunny teqnsfers and they failed then as i was entering things in my phone i got suspicious when i typed a letter and he corrected me and i said wait you can see what im doing on my phone and i disconnected the call. right away i contacted my bank and XXXX XXXX and was unable to get help from either place. both businesses told me that it shows i did these transactions and they closed my case and will not open it back up. this person called me a few more times to help me and i told him to stop calling and that i reported him he then texted me cursing at me and said well i still got your money. i blocked him from my phone but kept the text msgs i called my bank for help and they wouldnt help me they stated they tried to retrieve the money and couldnt and they have documents showing i did do these transactions. i tried to explain to them they i got scammed and this person got access to my phone and my information but they did not want to hear any of it and kept cutting me off at my words and kept stating the documents show i did. this scammer was smart and made it look like i sent myself bitcoin and my daughter bitcoin and i didnt. i dont even have a bitcoin acct. how can i get my money back and get this person to pay for what he did? i need help! please this person transferred XXXX twice documents are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
I bank with Chime. I followed them on instagram where they have a ton of followers. Someone from the page said that Chime is doing a sweepstakes and listed the ways you have to qualify. I did what they asked which was name 2 reason you deserve the {$1000.00}, follow the page and post on my own page. When i didnt that someone directed messaged me saying i won and to verify my account. They sent a link that asked minor questions ( my cash tag, phone number, name? ). Of course i didnt see the money deposited, and just thought it was another scam i dodge to discover 3 days later, on my pay day someone sending themselves money. I contacted chime support and it took them 3 long days to deny my claim. When i asked to speak to a supervisor they informed me there may be no use in speaking to them, set up a call back with a supervisor that suppose to take 4 hours and than ended the conversation before i could get a word out. They also mentioned after this situation on the official site that they would never text you or even talk through another app all their conversation are held through chime.

Company response to consumer: Closed with monetary relief