vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
In XXXX, I moved into the XXXX XXXX XXXXXXXX XXXX after signing a lease for an apartment that was not the same apartment that I was initially shown and told where I would live. The apartment that I was moved into had a mold infestation that required that I move out. I ended up with a debt from them for over {$3000.00}, so in XX/XX/XXXX I took them to court at the XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX ordered that the judgement be decreased from over {$3000.00} to {$590.00}. This debt was then passed on to U.S. Collection West who added on almost {$1000.00} on top of that debt. I submitted a dispute with XXXX and attached the judgement signed by XXXX XXXX and they still refuse to update my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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.

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 a account without my written instructions 15 U.S.C 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 U.S.C. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have had my Amex {$100.00} gift card set aside to use. It does not expire until 2027. No matter where I try to use it, it is declined ; both in person and online. I confirmed the card is active and that the balance was {$100.00}. No matter where I try to use it it is declined. I attempted to contact Amex and just go someone in XXXX who told me to take it up with the stores I tried to use it at, or keep trying until it works. I want my {$100.00} back since the card doesn't work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting 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 writing to dispute and request the immediate removal of a fraudulent accounts from my credit report. I have filed a dispute, citing identity theft, and have contacted the bank associated with these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The bank has verified the authenticity of the identity theft report and recognized a potential system glitch hindering the access to records. They have guaranteed the prompt removal of the fraudulent accounts, which has been in existence for over 7 years. 

I demand that you remove this fraudulent accounts from my credit report as per the resolution agreed upon with the bank. Your prompt attention to this matter is essential.

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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime closed my account and still have yet to refund my credit and checking balance at time of said closure. Furthermore, they never gave me any reasoning for why my accounts were closed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I'm filling a complaint against chime and XXXX. On XX/XX/2024 at XXXXXXXX XXXX I made an transfer for {$450.00} via XXXX to chime. It accidently went to a year old closed account. Both entities claims it should have bounced back to XXXX  with 3 to 5 business days. It's been 20+days, countless calls to both and I still hasn't receive it. Both entities refuse to give me my funds.XXXX employee claims it was successful and chime claims they haven't received any transactions. So I'm reporting Both for theft and ill continue to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Team Recovery Inc.
State: OH

Complaint narrative:
Team Recovery in XXXXXXXX XXXX has stated that they purchased debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after a MAJOR SNAFU by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We confirmed that we made enough to qualify for Medicaid. Instead, the third party staff at XXXX lost the paperwork/never turned it in and then tried to bill us {$36000.00}. 
After months of working with XXXX XXXX XXXX confirming a huge mistake was made, they said they could turn the bill into {$11000.00}. We said we did not accept this as it was not legal and we qualified for 0 % payment, but they withheld our paperwork from Medicaid.

Team Recovery contacted myself and my husband at our previous phone numbers CONSTANTLY. Each time I told them to send an itemized bill and proof of debt validation letter. They have never sent either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: OR

Complaint narrative:
I was called by ARstrat Collections of Sugar Land Texas in late XXXX, was informed that I owed money for a laboratory test of {$340.00} roundabout. I disputed the claim consistently by saying that I was paying under duress because this laboratory procedure was a simple salt test. I'm very insightful on these procedures because I work for a billing company inside the medical field and have a long medical background. I've been paying on the debt XXXX per month and have kept good records of my payments. In XXXX of this year, I made a payment of with the mailed statement from ARstrat reported my balance was XXXX making the new balance XXXX. I did not receive a statement in XX/XX/XXXX and so to my fault did not make a payment. On XX/XX/XXXX. I made a payment of XXXX that should have brought the balance to XXXX. When I prompted the call center person for the new balance as I always do, I was told the balance was XXXX. I requested insight to why my balance was up nearly XXXX $ and was told by a supervisor I would have an explanation in a week. There was no call. I called back and was told they were resolving the issues and would receive a letter explaining everything including why the price of the lab was 3x the normal hospital charge. Today, XX/XX/XXXX I called to inquire what the current balance was and to see if the issues had been resolved and I was told the balance was XXXX, ( the original balance ). Not only is ARstrat not resolving the increased balance issues with this collection, but the balance also continues to increase with no further changes or contact with the hospital system it originated from. 

With out asking them each time what the current balance is they would most likely continue this fraudulent practice of increasing the amount and collecting. I'm very curious how many people are continuing to pay that have likely met their balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: MI

Complaint narrative:
XXXX XXXX having debt XXXX. harass me for account XXXX XXXX XXXX XXXX is the collection agency. In the screenshot below they clearly state that if I write back to them asking for PROOF all collections will be stopped and it has not. According to law 15 usc 169c ( c ) this law clearly states if a consumer refuses to pay a debt the debt collector must cease all communications, this includes reporting to my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
2021- charge fee for last three months : XXXX, XXXX and 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 monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

1. KINGS CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX added a collection to my Experian and XXXX report. This is not my debt and I filed a fraud report. I would like Experian and XXXX delete and block this collection company 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 non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: LA

Complaint narrative:
CFPB Complaint : IC Systems Inc.

Introduction I am filing a complaint against IC Systems Inc. for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Debt in Question Briefly desribe the debt ( e.g., utility ). 
State that you are unaware of this debt.

Issues Lack of Five-Day Notice : I did not receive the initia written notice required by the FDCPA within five days of the first attempt to collect the debt.

Dispute Opportunity : I was not provided a reasonable opportunity to dispute the validity of the debt.

Improper Notification : I did not receive proper notification regarding the collection of this debt.

Missing Proof of Notice : If IC Systems Inc. believes they provided proper notifiation, I request a certified receipt with my signature as evidence of delivery.

Request I request that IC Systems Inc. cease all collection activities related to this debt until they can validate the debt and ensure they are following the FDCPA.

If the debt is found to be invalid, I request that IC Systems Inc. remove any negative information reported to credit bureaus.

Additional Information Conclusion Thank you for your time and attentio to this matter. I look forward to your investigation and a resolutio to this issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note : ID and Proof of address

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license. To date the changes have not been made.

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 2024-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Saturday the XXXX of XXXX. I entered into a Bank of America branch to deposit a cashiers check in the amount of {$6000.00} into my business checking account. I was told by one of the employees there that the funds would be available on Tuesday, XX/XX/XXXX. On XX/XX/year> I went onto my mobile account to ensure that the payment was going to post to my checking account as promised. I see that there was a post made by Bank of America stating that funds would be available on XX/XX/year>. When I work up the morning of the XXXX, only to find that they are now holding my funds until the XXXX XXXX XXXX. I went into the local branch and spoke with a representative about the matter after sitting there for 45 minutes. The rep called over to XXXX XXXX and they did confirm that the funds was there but would not release them until the XXXX XXXX XXXX This is unacceptable for them to hold my business funds for an entire week. I have bills and XXXX to pay. I am late on my XXXX vehicle payment as well as with my venders. This is causing my XXXX  to fail and no one seems to care. I am a XXXX XXXX XXXX that is just trying to make it in world. What an American dream this is!!!

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im not aware or authorize of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Im not aware or authorize of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information about

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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