vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following accounts did not have permissible purpose to furnish any remarks on my consumer report. I did not give these debt collectors my written instructions to furnish anything on my consumer report, which is a violation of the Fair Credit Reporting Act. Furthermore, I did not make any consumer credit transactions with the listed debt collectors below. They are in violation of the Fair Credit Reporting Act and must be deleted from my consumer report immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: CA

Complaint narrative:
Complaint of Fraudulent Loan Charge of {$140.00} reported to the 3 Credit Bureaus by XXXX XXXX XXXXXXXX XXXX Collection Agent AmSher Collection Services on XX/XX/XXXX against me. 

Details of Complaint ( 1 ) I responded to XXXX XXXX XXXX XXXX web advert and purchased a cellular phone and paid {$30.00} as requested by the sales agent on XX/XX/XXXX. 

( 2 ) I was told by the sales agent that the cellular phone will arrive through XXXX XXXX in two days, he also said that I can cancel the purchase within 14 days for a refund. I waited until that weekend, Friday the XXXX of XX/XX/XXXX for XXXX XXXX to deliver the package, but they failed to deliver in 2 days as promised. 

( 3 ) I called XXXX ( XXXX ) around Monday the following week and told XXXX ( XXXX ) to cancel the purchase. I was told by the agent that the purchase will be canceled and if the package arrived, that I should not accept it, that it will go back to the warehouse. When the package arrived, I did not accept it instead I told the delivery man to return it back to the warehouse. 

( 4 ) The following month I noticed on my XXXX XXXX  account that XXXX ( XXXX ) was still charging me using auto pay for the canceled purchase. 
I then called my bank and complained about fraudulent charges from XXXX ( XXXX ), the bank investigated and made 2 reversals on XX/XX/XXXX and XXXX XXXX ( I highlighted the transaction on my XXXX and XXXX bank statements ) can be provided if requested. 

( 5 ) XXXX XXXX XXXX XXXX embarked on a fraudulent collection activity against me which I regarded as elderly abuse and harassment. 

( 6 ) Again, I noticed on my credit report on XX/XX/XXXX that XXXX ( XXXX ) collection agent, AmSher Collection Services reported a fraudulent loan charge of {$140.00} falsely opened XX/XX/XXXX on my credit report. 

( 7 ) I followed up and entered an online dispute on the 3 Credit Bureaus platform XXXX, XXXX, and XXXX that the reported loan charge of {$140.00} by XXXX XXXX XXXX XXXX collection agent, AmSher Collection Services was a fraudulent collection activity. 

( 8 ) XXXX responded and deleted the fraudulent collection activity from my credit report and notified me. 

( 9 ) I, therefore, repeat, I do not owe XXXX XXXX XXXX XXXX this money and demand the 2 remaining Credit Bureaus XXXX and XXXX to immediately delete this reported fraudulent activity of {$140.00}, reported by AmSher Collection Services and XXXX XXXX XXXX from my credit report XXXX 

( 10 ) I do not owe XXXX ( XXXX ) this money. It is a fraudulent activity, harassment and elderly abuse. 

I affirm that the information herein is true and accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Phone : XXXX XXXX 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 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I've told previous management multiple times before the lease was ending that I was not renewing my lease because I was leaving to XXXX. She understood and We came to that agreement. Then comes XX/XX/XXXX hen my lease ended, I moved out and she contacts me and says I needed to give her 60 days ' notice that I would be would now have to be responsible for rent until XX/XX/XXXX. I told her I was not renewing my lease multiple times and she knew that and yet and still charged me. This is now on my credit for a charge of {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2022-01-14 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: MN

Complaint narrative:
This company is intentionally misleading with advertising, and also wants money upfront, which I have since learned is illegal. I thought I was paying XXXX for a whole year due to their misleading advertising, not monthly. I have lost over a grand on them for doing very little for my credit! I would have NEVER engaged in services if I thought I would be paying this much monthly. I am already poor, working multiple jobs ( or at least attempting to ) and am chronically ill. This was supposed to help me, not steal a ton of my money. This company does not care that they are scamming you or stealing from you. They have no interest in trying to work with you, and will avoid a refund at all costs. I want 1, XXXX dollars back, what I have paid since the first bill of XXXX ( 1, XXXX total ) since starting the service on XX/XX/2021. They will not even address refunding and avoid the subject. They don't care. This absolutely disgusts me. I want my money back. They are still planning on even trying to charge me more even after canceling!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022, I deposited a check of {$1700.00} into my checking account. It was very cold and the ATM screen was all cloudy with ice. It refused to give me a receipt. The next day I saw the bank had credited me with only {$700.00}. I called Bank of America to complain but instead of looking into this immediately and tracing the check, they told me it would be treated as a dispute. 
After a week, I still didnt see the remaining funds so I logged into my account and realized that the check image was not even in my online banking. 
I called bank of America today and they are giving me the run around. The representative even hang up on me. 
This is not my fault. Their ATM was faulty and I am the one chasing to get my funds released. 
I either need my check back or the right amount deposited into my account. 
I need my funds urgently and Bank of America should release it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
The school closed down before I could return. They have had history of embezzlement at this location. Many of us were bribed to attend the school with out properly being explained the contract. We were told the first year I attended that we would not receive our pell grant money because it went towards tuition while still being forced too pay monthly fees towards the tuition. I signed up for the work study program to help me pay my bills and tuition and I was told that I did not qualify. Many student had to complain to the headquarters to get the money they were holding. Many of us could not find employment relating to our degree. I feel robbed and I am in debt because of them? They used the fact that we were single mothers with he hopes of careers. The financial counselor made me pay a XXXX in person application fee. All the money i paid her she embezzled before she was fired. The medical scrubs they gave me did not fit so they took them back and I head to purchase my own. My graduation date was pushed back so many time which ius the reasoning had to take a medical leave twice. After my medical leave I went back to return to the school but get had immediately shut down. I went to this school in XXXX and in XXXX. My credit shows many different charges from them and money I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB : please look into this matter. If this matter is not resolved asap I have no other choice but to speak with counsel. 

Problem : I applied for a mortgage and was IMMEDIATELY DENIED due to the inaccurate reporting of this agency. This is NOT a reporting from a creditor this is reporting from the Experian which I have provided proof of THEIR reportings along with the reporting of the other reporting agencies which have removed the account from my credit report due to inaccurate information. 

Experian is reporting a FORECLOSURE on XXXX XXXX account, which is NOT a mortgage. I have NEVER had a FORECLOSURE EVER. This reporting is ABSOLUTELY FALSE! 

They are also reporting " XXXX XXXX '' as the payment status which is also inaccurate. Please look at the last 2 years of this account. There are no late payments. A reposession only occurs when an account is beyond 60 days past due. 

I called XXXX and XXXX which are NOT reporting this account due to inaccurate information and they told me they removed it and block the reporting. Also, can Experian please explain how can 1 credit reporting agency report something inconsistent when the information is coming from the same source? Why can't Experian follow suit? I suspect they DID NOT investigate. 

If this account is not DELETED immediately from my consumer report, I have no choice but to seek counsel due to violating FCRA, refusing to adequately investigate consumer disputes and causing me and my family to be denied for a home mortgage. 

I am also aware of XXXX v/s Experian, the {$45.00} million and largest settlement for violating the FCRA.

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 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have been complaining about the deceptive practices of Navient student loans for years and each time I file a complaint which goes straight back to Navient, they give me some bogus explanation which I do not understand at all. I have been carrying student loan debt since 1987, and I will probably be dead long before these loans are ever paid. At the present time, Navient has me in a repayment plan where I pay {$0.00} every month because of my low income. But they charge over {$500.00} a month in interest.. 
So, for a two year Associate Degree, I owe over {$110000.00}. I am almost XXXX years old, I recently had XXXX XXXX and now I have to work from home because XXXX treatments affected my bones and I can't walk very well. It seems like Navient could have done better than this ... given me more information on repayment plans, given me some sort of break on their high interest charges ... .Navient garnished my income tax refund for seven years and I still owe well over {$110000.00} ... .seems like a rip off ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1982 XXXX XXXX I am filing a complaint about missing accounts that are not showing on my credit report. I have a XXXX and XXXX XXXX And XXXX XXXX that are not showing on 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 non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I am getting fake calls regarding paying the phone bill that I had auto-pay for every month. They have my information and asked for my date of birth and they also had my address on 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 explanation
Consumer complaint received 2022-01-14 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: NY

Complaint narrative:
According to the FCRA, it states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. The inquiries listed below reporting on my credit file werent authorized by me and are fraudulent. Im requesting they be removed immediately. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: NY

Complaint narrative:
According to the FCRA, it states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. The inquiries listed below reporting on my credit file werent authorized by me and are fraudulent. Im requesting they be removed immediately. XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX SERVICE XX/XX/20, XXXX BANK XXXX XXXX, XXXX XXXX XX/XX/20 XXXX XXXX FINANCIAL XX/XX/20, XXXX OF XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20.

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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 XXXX XXXX transactions were fraudulently sent from my account to someone I dont know. One in the amount of {$500.00} XXXX dollars and one in the amount of {$370.00} us dollars. I called the bank on the same day once I saw this to dispute these fraudulent XXXX transactions. They told me they would investigate and follow up. On XX/XX/2021, I received a letter from Chase saying they were not covering the fraudulent XXXX charges because they were authorised but this isnt so. I did not send these two XXXX. I called and spoke to several people and no one would help me with my stolen funds. They were vague and not helpful at all. After doing more research I read that under regulation XXXX the bank is supposed to restore my stolen funds. Please help I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: GA

Complaint narrative:
There are mutliple credit inquires that I didn't authorize. The same inquires were sent several times on multiple dates. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1982 XXXX XXXX I am filing a complaint about missing accounts that are not showing on my credit report. I have a XXXX and XXXX XXXX  And XXXX XXXX that are not showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1982 XXXX XXXX I am filing a complaint about missing accounts that are not showing on my credit report. I have a XXXX and XXXX XXXX And XXXX XXXX that are not showing on 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 2022-01-14 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2021. I open a checking and Savings with Citizens Bank. I had {$220.00} in my account before the bank suddenly took {$170.00} from my account XX/XX/2021. Whichever left my account unable to cover my purchases so now my account is overdraft by {$82.00}. I called them, they said it was for a charged off account. I don't know how many years ago. But why allow me to open a new account, if I supposedly owe?? On an account that was closed down and charged off. I wasn't aware of this transaction by any means, my was just taking from account caused insufficient funds for other transactions I had. I believe Citizens bank stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: MS

Complaint narrative:
This is the third letter I have sent to your company about unauthorized inquiries that have been made. and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports. These inquiries seem to be the result of several attempts to fraudulently open accounts. I have asked repeat to delete those inquiries. I did not initiate any of these inquires furthermore if you feel like I did please have the Transunion, XXXX and XXXX to delete them. As I plan on seeking civil liabilities if not removed 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