vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: GA

Complaint narrative:
Americollect called me on XXXX XXXX, XXXX, at XXXX XXXX and I could not answer the phone for them. I checked my credit, and it shows them 6 times on my credit report ; three of them are the same amount. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the amount of {$680.00}. They also have XX/XX/XXXX - {$560.00}, XX/XX/XXXX - {$710.00}, and XX/XX/XXXX - {$1000.00}. In the state of Georgia, the debts are actually uncollectible after 4 years and these collections are over the 4 years mark. Also, I did not give my content nor do they have anything written nor signed by me that they have the authority to be collecting old debts nor have I given them any of my information. Due to this situation, I am not being accepted to open a joint account with my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NY

Complaint narrative:
I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

XXXX. XXXX XXXX  ( XXXX, XXXX, 2022 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES 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 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 XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, my American Express Platinum Card was canceled by the American Express Company without any notice or valid reason ahead, they forfeited all my Membership Rewards Points ( over 120k Points ) from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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:
I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

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 explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NC

Complaint narrative:
On XX/XX/2022 I contacted Equifax by phone after obtaining a copy of a consumer report they furnished without my written consent containing confidential information that they have shared with other persons. Pursuant to FCRA 15 USC 1681 ( b ) ( a ) ( 2 ) it is a federal violation for a consumer reporting agency to furnish a consumer report without written instructions of the consumer to whom it relates. I never gave Equifax any written instructions to furnish a consumer report listing my confidential information. My rights have been infringed upon with unfair treatment as in accordance with 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) these reportings impair my confidence as a consumer as banking systems are relying on fair and accurate credit reportings. I have not been able to obtain various forms of credit as a result of the lack and inaccurate reportings of my reputation, character, credit standing, credit capacity, and credit worthiness on behalf of Equifax. Equifax took no effort to remove all fraudulent information. The improper use of my credit and confidential information is still evident through the consumer report they have with my information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
A judgment was entered against me in the XXXX XXXX XXXX on XX/XX/2022 by Glasser & Glasser on behalf of XXXX XXXX XXXX for {$27000.00}. The issue is that On XX/XX/2022 I entered into a payment agreement with Glasser & Glasser to make 24 monthly payments of {$820.00} on a settlement balance of {$19000.00}. I made the first installment payment of the agreement on that same day, XX/XX/2022. I had previously paid one payment of {$500.00} and have made a subsequent monthly installment payment of {$820.00} on XX/XX/2022 due on the XXXX of each month. 

I am concerned that Glasser & Glasser will attempt to collect more than the {$19000.00} in the full settlement document ( included ) after I have paid off the amount agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX5 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 explanation
Consumer complaint received 2022-10-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently submitted a FTC ID Theft Report for charge-offs from various companies that did everything illegal pertaining to charge-offs being on my credit profile. Per IRS publication 4681 no canceled debt/charge-off should be published on a consumer 's credit report because it is considered income and income CAN NOT BE ON A CONSUMER 'S CREDIT REPORT. They were removed a month ago, now Equifax has published a charge-off from XXXX XXXX XXXX who did not send a IRS 1099c form breaking down the interest and the principal of what was canceled in regards to this alleged debt, so that I can report it properly on my taxes ... also no one from XXXX XXXX has informed me the federally protected consumer who's the victim of this blatant identity theft again after the first report was submitted, that they have a repurchase agreement for this alleged debt. I have no verbal nor written knowledge of XXXX possessing that repurchase agreement and I never received the REQUIRED IRS 1099c form. Equifax is in straight violation of my consumer rights as stated in the FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt as well as REPEATING AN OFFENSE OF ID THEFT by re-publishing what is truthfully ID Theft, this is a hindrance on me mentally, physically and financially and is very unacceptable. Equifax as well as XXXX have ID Theft on their hands and this is criminal per Title 18 U.S.C. please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
In XXXX of 2022, XXXX American Express accounts were fraudulently opened in my name without my knowledge. I have never applied and have never opened any account with American Express previously. The criminals charged more than {$38000.00} to these accounts. I was made aware of these account only via my credit reports. At the time, I was a victim of major ID Theft. Multiple bank accounts I already had were hacked as well as a number of other credit cards. The criminals also physically walked into a bank and using forged, fraudulent military ID cards, withdrew {$1500.00} in cash out of my accounts. All other banks and credit card companies have determined everything I was experiencing as fraud due to this ID Theft. American Express refuses to accept my dispute. I have called American Express multiple times and no one from their fraud investigation team will contact me even though I was told multiple times I would hear from them. I faxed them XXXX pages of supporting documents including a lengthy police report acknowledging the fraud and ID Theft that I was a victim of, and yet American Express denies my dispute. On top of this, American Express refuses to give me any reason whatsoever as to why they are denying my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intercoastal Mortgage LLC
State: NC

Complaint narrative:
We were working as a 3rd party construction company on a project financed through the following Loan Officer and entity : XXXX XXXX Intercoastal Mortgage LLC. 
XXXX XXXX XXXX XXXX # XXXX XXXX The Loan Officer on this loan repeatedly told us ( the builder ) and the homeowner that in order to get paid the remainder of our fees we needed to complete all work- including any out of scope - out of our funds and we would then need to submit an invoice for reimbursement. 

This went on for months ... and in excess of $ XXXX. 

once we submitted the receipt.. which were all approved by all parties.. we were told we would not be reimbursed because the loan can not fund these.. though we were forced to complete those to submit for reimbursement. the lender since then.. started disbursing funds to other without our approval or without proper notification. 

the LO has not responded to requests for answers. 


This lender has violated numerous minimum requirements for this loan and has operated in a ways that should not be tolerated in 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
As of XXXX XXXX, 2022, I will be on my third loan servicing company of the year ( XXXX, XXXX and due to convert to XXXX Bank. Specialized Loan Servicing has made errors in record keeping which have resulted in me making extra payments to avoid late penalties. 

Repeated attempts to get them to correct this have failed. Attached is a spreadsheet of payments made, dates and communications with SLS. Further complicating the matter, are three communications from SLS first alerting me to a new servicer to whom I should make payment ( XXXX ) then later, rescinding that communication ( after payment to XXXX had been made ) and charging me a {$200.00} late fee, then renewing the alert that the account would be transfers to XXXX effective XX/XX/XXXX. 

To summarize, two key issues : 1 ) Payment accuracy. I would like the Payment record to be accurate. 2 ) A late fee for {$200.00} which I would like refunded as I feel it is unjustified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I paid off both Chase credit cards ( one for XXXX and XXXX for XXXX ) in XXXX of 2020 after I paid them both off I closed both accounts, which was reflected on my credit report. Today I was billed for {$40.00} stating that I have not paid. I spent an hour on the phone and spoke with 4 people at Chase. They said my account was not closed ( even though the credit bureaus showed it to be ) and charges were incurred. I had my identity stolen and so I locked my credit. Chase closed one today but that does not sit well with me as it will affect my credit yet again. Both cards were paid IN FULL then closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NY

Complaint narrative:
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 XXXXE XXXX XXXX XXXX XXXX

I DID NOT AUTHORIZED THESE INQUIRIES PLEASE DELETE IMMEDIATELY THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I received a letter in the mail from Bank of America stating " if you want us to review your application for the card, please remove the restriction on your credit report and call us within the next 30 days. '' Since neither my spouse nor I applied for this card, I called my ID theft protect company for guidance. I was worried that even though this application was stopped, someone still has enough of my personal information to apply for a card. 

My ID rep called Bank of America with me, who shared that while they did try to pull credit reports for this card application, they were declined outright. 

My ID rep gave me several steps to do regarding this incident, including notifying the Federal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/2022 Transworld Systems Inc. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX To whom it may concern, While living at XXXX XXXX XXXX in XXXX, Iowa I experienced many abuses of authority. The first was retaliation after I complained about animal XXXX in the common building areas. Shortly after my first complaint to the property managers I began to receive notices that my apartment home was too noisy. The other abuse of power was the property manager ending my one-year lease without me having a day in court or sufficient notice. I was notified on XX/XX/XXXX that I needed to vacate the unit on XX/XX/XXXX. The property manager had maintenance and other men remove my belongings from my unit at XXXX on XX/XX/XXXX. I moved a half an hour away and by the time I came back to the building to load my small truck for the second time those guys had already removed my things, thrown my larger furniture items on the road and placed my other belongings in large black contractor trash bags. 
I was hurt, humiliated and afraid for my safety at the way they handled my move out. I do not owe XXXX anything. I will attach email communications between myself and property management staff where I notified them of the behavior of one of the maintenance team members as well as the XXXX in the corridor. As I stated before living in this apartment building was degrading and terrifying. My kids became sick with XXXX and I believe it could have been due to the large number of apartments people used to house their dogs and pets. I was forced to move into this unit ( the last available ) after an illegal eviction during the Covid 19 pandemic. 
The final abuse of power is the attempt to charge me a debt that I do not owe. XXXX did not notify me of any charges upon my move out or within 30 days of my move. The property managers also did not provide a move out inspection or review any charges to my security deposit. My mail was forwarded by USPS to my new address ( see attached ) and if they wanted to mail me a bill or anything they could have addressed it to the XXXX address at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and it would have been forwarded. In addition to the USPS proof of mail forwarding, I will also attach my proof of payment for the month. I do not owe XXXX XXXX anything further. They illegally evicted me and did not provide a walk-through inspection. They owe me for my belongings. They did not notify of any charges outside of my security deposit ( that they kept ) within 30 days. They have illegally and discriminately sent a large bill to collections. Please assist me In stopping these abuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in filing disputes for all inaccuracies on my credit report with Equifax.

Company response to consumer: Closed with explanation