vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 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: OH

Complaint narrative:
This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -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 explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
As of today XX/XX/2023 Ally Financial has called my phone 5 time and I have continued to explain my problem and I have been very cordule to the persons and they state that they are to comply with the request of not calling but that is a lie and I have still phone calls from different phone numbers but my caller ID states it is this company.

I am noting with a log of the date and time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
The government paid the full year of rent to these people due to COVID-19 pandemic assistance and they then served me paperwork to have my family evicted right after because they were planning on having that apartment updated even before we moved in. But the corporate office gave us a deal for that apartment instead. I went to the court house and signed papers to move out and not owe any money for anything pertaining to this property. And if they had any problems they were to contact my insurance company that they have us all get. The head office in XXXX  sent me a letter of recommendation letting people know that I did lived there and owe no money, along with XXXX county court house, and the XXXX state courts. This all took place in XX/XX/2021. All documents are in the XXXX  courts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America Small Business account was closed without any notice or warning after 14 years, the same day an incoming wire transfer was scheduled. After almost two hours and 6 different customer service agents I was finally told it was for inactivity and they were unable to reopen. The bank continued to withdraw the $ XXXX  monthly service fee during this period of inactivity and I was given no warning that I needed further activity to maintain account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
I filed a complaint against Scott & Associates and they hired/ moved the account ( for which I have no knowledge of ) to XXXX XXXX XXXX. I called the number in the letter received XX/XX/XXXX and they stated that they knew there was a cease and desist, but I could revoke it verbally. This debt is not mine. I have no knowledge of this debt and I am being harassed by mail. Please assist with making this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi! On Saturday XX/XX/XXXX I want to my branch in XXXX tx to deposit XXXX the atm took ALL the money but I still missing XXXX dollars. I told the lady in the bank and she told me to call. I called at the exact the same moment and did my claim. The guy in the phone made the claim for XXXX which is wrong. Cause I see some money in my count but Im missing XXXX. 
I already made XXXX phone complaints and both were denied. Im overseas now so I can not go in person again. 
The last time I called the customer service representative gang on me. 
I looked online and this same issue happened to many people before. 

The deposit was inside the bank in business hours. 
Im honestly can not understand how the case refused to give my money back. 
FYI I have my accounts and credit cards for them for years. 

My credit score is XXXX. 

The bank should have cameras that should the ATM returned bills to me twice and I put everything inside again. 
When the day finishes it must be XXXX dollars extra that they are mine. 

Please help me with these cause I really need the money. 
I tried exposing them un XXXX too but since I dont have many followers it didnt work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I received a collection notice from Penn Credit Corp for XXXX XXXX XXXX XXXX. I immediately contacted them indicating I wanted to dispute the debt because it does not belong to me. The first reason is because i do not live in XXXX and have never lived or owned property there. I live and work in XXXX XXXX  XXXX. I own my own home and have since XXXX the utility company i am using is XXXX for lights and XXXX XXXX for heat. There is no reason to have gas & electric services in XXXX. The second reason is because I explained to them that i am a victim of identity theft. Somehow my social was compromised and people have been applying for benefits and things under my name. I sent them proof of that as well. Instead of investigating the situation, I received notification from XXXX XXXX XXXX that they put me in collections. Then after already placing in collections i get a package in the mail from Penn Credit with forms to dispute the debt. Wouldn't it have been fair to let me dispute it first, then if things did not add up, THEN put it in collections? Instead, they put me in collections first without even giving me a chance to submit the paperwork. There were also questions I asked for them to answer that they never did. I would like those questions answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to REMOVE them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to REMOVE them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: United PanAm Financial Corp.
State: AZ

Complaint narrative:
My name is XXXX XXXX and I have a car loan through United Auto Credit. My Consumer right according to XXXX Harassing, oppressive, or abusive conduct, ar being severely violated. United Auto credit has been harassing me for months now and calling me everyday. They are using auto dialers in which I am told that the system can not be adjusted or altered by any employee. I am getting calls multiple times a day and I have repeated myself time and time again to tell them not to call me at while I am at work and have specified on numerous occasions the time that are best to call me which are after XXXX when my shift ends but they still call and call. They are calling from multiple numbers trying to trick me into answering. Agents also call making it seem like they know me by addressing me by my first name. I am XXXX  and this is very stressful and damaging by they way they are treating me. I have asked to be contacted by mail but that didn't work. They are using electronics to collect debts but I have rights and what they are doing is unfair treatment to me and causing me extreme stress to the point I have been on the phone going back and fourth with agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Imperial Recovery Consultants, LLC
State: MI

Complaint narrative:
A number called me and left voicemails stating they were trying to contact me in regards to a parcel that could not be delivered. I called back today, XX/XX/23 and the lady states she was XXXX XXXX from IRC Services ( XXXX ) and that she was trying to contact me regarding an old payday loan with XXXX XXXX XXXX I stated that I paid off my debt in full with them and have the paid in full letter. I also stated that I contacted XXXX XXXX XXXX  after paying the debt collection company off and they stated I had no active accounts. XXXX XXXX told me that if I did not pay the amount today XX/XX/23 by XXXX I would get XXXX felony charges filed against me with XXXX XXXX. I again called XXXX XXXX XXXX  and spoke to their collections department who told me that it sounded like a scam and to request a debt validation letter. When calling IRC Services back requesting a debt validation letter XXXX stated that it would be too late to send XXXX and that charges would already be filed, she stated they sent XXXX to my email and home address in the past, which I did not receive anything from them. I then knew it had to be a scam. Very scary that they had my home address, email and name and threatened to file felony charges against me and that I would have to go in front of a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: MI

Complaint narrative:
I did not authorize nor approve these inquires. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a credit card with chase. Chase put out an offer/advertisement to borrow against your credit card at more than 50 % lower than the rate on credit card. This was very attractive so I took it to take advantage of the lower rate. It turns out that this was not actually a good deal as this can mislead many vulnerable consumers who are looking to lower there rate hence lower their aggregate expenses, get more into financial trouble waters. 

As soon as I realized this, I called chase back to express my concern and requested the loan be cancelled. Chase representative told me they can not reverse the loan since it has been submitted. I was advised that the only thing I can do is to pay the money back once it is cleared, so agreed. As soon as the money get cleared I pay back the entire money. To my surprised when I view my statement I discovered the minimum was based on the loan already paid off. Now they are charging me interest on the loan paid off and balance on the credit card. 

When I called them again, the representative told me I still have some balance on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I made a partial payment prior to receiving a " trial '' payment in hopes of getting a loan modification. {$1300.00} Rushmore loan management is refusing to allow me to apply the {$1300.00} money in the suspense account to my trial payment. 

They are inhibiting me from successfully completing my trial payments. 
They are holding my money, they will not send it back and they will not apply it. 
In essence, they are stealing from me. 

They want their customers in foreclosure to fail to make trial payments. 

RUSHMORE NEEDS TO EITHER ALLOW ME TO APPLY THE {$1300.00} to my XX/XX/XXXX payment or they need to send the money back to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN THE VICTIM OF IDENTITY THEFT AND EQUIFAX REFUSES TO OFFER ANY RESOLUTION WITH CORRECTING MY NAME AND ADDRESS TO MATCH MY DOCUMENTS AFTER SENDING IN MY LICENSE, BANK STATEMENT, SS CARD ETC I SPOKE WITH A SUPERVISOR ON XX/XX/2023 AFTER AN EQUIFAX REP UPDATED MY INFO INACCURATELY ON XX/XX/2023 AND HE REFUSED TO OFFER ME ANY RESOLUTION - XXXX F Employee ID XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: MN

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Incorrect information on credit report Creditor XXXX XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX XXXX XXXX XXXX Balance {$570.00} XXXX Act. # XXXX Opened XXXX Reported Closed Condition

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX, I opened a new checking account online with PNC Bank which offered {$200.00} bonus. All the requirement has been met, but I have not received the bonus about five months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: FL

Complaint narrative:
I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-08-01 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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX with Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has also violated my rights. 
XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Act. # XXXX XXXX/XXXX Account # : XXXX Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX  XXXX. 
Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX  Inquiry : XXXX XXXX Inquiry : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States that have the right to privacy.

15 U.S.C 1681. Section 604 A Section 2 also states that 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 non-monetary relief