vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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:
My name 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 2022-12-05 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: NY

Complaint narrative:
My name 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 2022-12-05 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$74.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9.00} ; XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/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 2022-12-05 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: NY

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.

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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
XX/XX/XXXX Genesis FSXXXX XXXX XXXX Acct XXXX XXXXThreaten to sue -False name / contact info -Claim they are attorney or represented -Gave false information about me -Threaten to tell anyone about my debt -Continued contact after requesting in writing to stop contact - Have been told I owe more than I do. 
- Called my work after I told not to contact place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Cascade CISS Holdings, LLC
State: PA

Complaint narrative:
Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I received a letter in the mail that I have to go to court again on XX/XX/2022. I already went to court and their attorney offered a settlement of {$620.00}. I agree to make monthly payments of {$50.00} and started in XXXX. I told the attorney my first 2 payments would be at the end of the month and then I would send earlier he said it was fine as long as I started my payments and would not have to go back to court as long as payments were made. I called and the representative said that they did receive my 3 payments and could not tell me why I had another court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XX/XX/2022, I noticed a transaction in the amount of {$340.00} as an ATM withdrawal. The transaction happened at XXXX XXXX. and I called chime at XXXX XXXX. to inform them that I did not make this purchase more authorized this purchase. I also inform them at that time that I had my card in my possession so I was unsure how this was even happening. They informed me that it would have to be solved with their dispute team. The dispute team told me that I would have to provide information showing I did not make this transaction. At that time I went to the location that the transaction was made with a police officer and requested video tape as well as made a police report. Within one month from the date of this happening, they had closed the dispute saying that it was unfounded. At that time I reached out to detective XXXX XXXX who informed me, three other people in my local area had the same thing happened to them on that same day. XXXX  submitted documentation to me which I will submit the below that I sent to chime. They told me I had to wait anywhere from 10 to 90 days to receive a refund. Today is the 90th day which was the resolution date and I've yet to hear anything back pertaining to me getting my money back. XXXX XXXX gave me this information and told me that I should reach out if they do not give me my money back in a timely fashion. I have given them the requested amount of time and now I am getting frustrated and upset because I should have been reimbursed the same day. Had I dealt with a actual bank instead of this hole in the wall company, I would have my money back by now. Lesson learned but I still want my cash. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-05 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: CA

Complaint narrative:
Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: CA

Complaint narrative:
Since Im a XXXXt for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : 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 2022-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outsider of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, i certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made.I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services, or money and was successful in cresting some accounts. All are being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
XXXX XXXX  was the original holder of my mortgage. During ( in the middle of or further along in bankruptcy ) XXXX XXXX  transferred or sold my mortgage to Carrington Mortgage. From day one of the transfer the data was and calculations were confused. I know for at least three months I paid more than than what was required. When I asked where if the overpayment would be applied and carried over to payment due I was told they can't be ; the system doesn't allow it. I was given incorrect information regarding partial payments unapplied. I was given a hard time if I asked to be transferred to the bankruptcy dept., at other times transferred immediately. I have requested a breakdown of the account and not received anything, received illegible computer screen shots I have attempted to pay my mortgage on line, over the phone to finally send through my XXXX XXXX to insure to have a reference number from a third party. 
The confused, inadequate list goes on and on. All of this during a pandemic. 
Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2022, I, XXXX XXXX XXXX, tendered a payment in the amount of {$3000.00} for the account in the principal name XXXX XXXX ( ACCT # XXXX ) along with supported documents which were sent to AMERICAN EXPRESS XXXX XXXX and XXXX XXXX XXXXoing business as the CFO of AMERICAN EXPRESS to allow the financial institution another chance to act in honor. The correspondence was in fact received and the green receipt was signed and returned. ( See returned green receipts ) On XX/XX/2022 AMERICAN EXPRESS opened a dispute on my behalf because they could not locate the payment ( Reference Number XXXX ) and sent me an email on XX/XX/2022 requesting documentation to support my claim ( see email ). In response to this correspondence, on XX/XX/2022 I sent by fax to AMERICAN EXPRESS my endorsed bill, notarized letter of instruction, notarized power of attorney and state driver license. ( See Fax receipt ) On XX/XX/XXXX, I received another correspondence stating that the documents were not received and that the investigation was closed. ( see XXXX XXXX correspondence ) AMERICAN EXPRESS agreement under the section how to make a payment, states that they accept negotiable instruments as a form of payment ( see agreement pg XXXX ). Pursuant to UCC 3-104, AMERICAN EXPRESS issued a negotiable instrument to the principal XXXX XXXX with a purpose of giving rights on the instrument. As the holder of this instrument I am accepting the {$3000.00} credits and giving instruction to transfer them to the bearer in order to XXXX  out the account. AMERICAN EXPRESS has continued to lie and create false information numerous of times which has caused me to not be able to use my card due to this outstanding balance that I have in good faith tried to tender payment for since XXXX. This is my last attempt to request for XXXX XXXX dba CFO of AMERICAN EXPRESS to apply the tendered negotiable instrument that was sent in to be applied to my principal balance or I will move forward with law suit actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries are reporting on my credit report from fraudulent activity. I do not have any account associated with these inquiries. I opened up a XXXX card that was opened on XXXX that was pre-approved. XXXX did not hard pull my credit. These inquiries are misleading cause I was not applying for accounts.

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 2022-12-05 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: Action Revenue Recovery, LLC
State: LA

Complaint narrative:
This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the condtions of the FCRA I am allowed a fair and accurate credit report.Please see the dates/ amounts listed below I am demanding be removed from my credit report immediately Action Revenue Recover XX/XX/XXXX in the amount of {$130.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: LA

Complaint narrative:
I disputed an error on my credit report with Equifax credit bureau because I am a victim of identity involving collection account with XXXX XXXX XXXX and XXXX XXXX XXXX amount of {$590.00}. I've never had XXXX XXXX services because I've been a customer of XXXX for the last 15 years and still currently still utilize their services. Equifax agreed with the collection agency without adequate investigation measures. The collection agency won't provide me with the original XXXX XXXX documents and is asking me to pay {$590.00} not the {$590.00} as Equifax is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
On XX/XX/2022, I, XXXX XXXX, a consumer, entered into a consumer credit transaction with TD Auto Finance. A consumer credit transaction that included a financing charge. A financing charge is the total of all fees in a consumer credit transaction, according to 15 USC 1605. Cash was paid to TD Auto Loan ; however, cash is not included in the finance charge. Although insurance is supposed to be included in the finance payment, TD Auto Finance forced me to buy it separately in addition to additional expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: MD

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-05 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: MD

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation