vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: MD

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account XXXX XXXX has violated my rights. 
XXXX account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX XXXX has violated my rights. 
XXXX account XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Sates 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX and I am reaching out to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, in addition I have enclosed copies of the Federal Trade Commissions 's Identity Theft Affidavit. Please remove the items as soon as possible.

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 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
From what I understand this is a XXXX  bill account # XXXX but I am not sure. I have asked ARS account resolution to do more than verify the debt but to validate it. They have done neither. The account continues to come back verified Its coming back verified from an old address I am assuming. I am not sure. Either way they have to validate the debt once I have asked. Which they have not. This account is being reported to XXXX XXXX AND XXXX and they are all being reported differently. Proof attached. ACCOUNT TYPE ONE SHOWS OPEN AND 2 OTHERS SHOW COLLECTIONS which is a violation.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. WHICH THE PROOF WILL SHOW THE INNACURACY. Also I have the right to privacy according to 15 U.S.C 1681 section 602 A. which states I have the right to privacy. I also know for a fact that I did not give written instructions or signed any paperwork saying that I agreed for my information to be shared with a third party. 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 They have violated my rights by continually being the only collection account on my XXXX  report which is causing damage to my character. I have tried to resolve this problem through the company, but they have chosen to ignore me.

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 2022-07-20 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: NV

Complaint narrative:
I HAVE CONTACTED EQUIFAX ON NUMEROUS OCCASIONS TO LET THEM KNOW THAT THE INQUIRIES ON MY CREDIT REPORT ARE IN ACCURATE. I HAVE SENT OVER MY FTC REPORTS AND THEY STILL HAVE NOT REMOVED THE FRAUDULENT INQUIRIES. 

FRAUDULENT INQUIRIES : AOD XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: QC HOLDINGS INC
State: NE

Complaint narrative:
XX/XX/XXXX I was contacted at my workplace by a co-worker stating that she received a call from this company stating she was going to be faced with a civil suit in XXXX XXXX XXXX on a legal matter that involved me. She gave them my work number. The company identified themselves as a service that needed to advise me that there was a pending civil suit against me and the male voice then transferred me to a company that announced themselves as XXXX - her name was XXXX. she stated QC Holdings were going to file a civil suit in XXXX XXXX for breach of a contract back on XX/XX/XXXX. I advised I have never heard of QC Holdings Company. I asked that they please not contact me at work and told them that this must be a spam. She then talked over me stating this was the number that was listed on my contract and said other things that I did not catch all of the conversation as I was caught off guard, at work, upset with someone threatening a civil suit for a breach. I verified with her my cell number. I asked what this company was? she then sent me to a gentleman named XXXX. I ended call before he came on. I then received a call on my mobile XXXX. He identified himself. I again asked questions of who they were and why were they calling me. He was very pushy and I asked to please send me proof of the contract that they stated I breached. He said he did not have that info. I finally got out of him it was a check cashing loan place that was stating I had not paid an amount of {$280.00} and the statute of limitations for his client would be running out soon and they needed to collect this. He stated it occurred on XX/XX/XXXX. He identified my last 4 of SS # and my bank name but account number last XXXX was not correct. He also stated the address of the pay day loan company here in XXXX. I had settled with a check cashing company that I used back in XXXX with the address that he stated this took place in XX/XX/XXXX. I settled this debt through the assistance of a credit advisement company that is in here in XXXX Called XXXX XXXX  I told the gentleman this, but he again stated I would be subjected to a civil lawsuit including filing and attorney fees. He stated he would send me a settlement contract via email. Which he did. But the amount of the breach was {$280.00}. the fees and fines made the total to be {$780.00} but he could settle this today for {$440.00}. I advised that I need to see the amount of the contract he kept referring to. He stated he did not have that, but he was sure it was correct as his client would not have sent it to him. I have not signed the agreement and I am seeking help. This company has not provided me anything in writing of the contract they state I breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX XXXX # XXXX ( Victim of financial crimes and victim of a financial conspiracy to deprive ). 
According to the Fair Credit Reporting Act, I am credit worthy and possess sufficient income to lend. My total income before deductions is approximately {$73000.00} annually with a credit score of XXXX. I requested a {$1500.00} loan from my bank at Wells Fargo checking account. I direct deposit {$5600.00} dollars monthly into my Wells Fargo checking account. Wells Fargo employees are depriving me of my right to loan, refinance, and consolidate my debt by utilizing the {$68000.00} that I deposit into my Wells Fargo Checking account annually. I do not have collections, public record items, nor a bankruptcy. The banks ' contact information is XXXX XXXX, XXXX Fax, XXXX ( 24-hour customer service ). The banks ' email addresses are XXXX, XXXX, and XXXX. Wells Fargo 's case number to reference is XXXX. Any identity issues can be cleared up with a presentation of my Military I.D . card, Drivers license, Social Security card, Veterans Administration I.D . card, and passport.

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
3 unauthorized transactions were done on my chime debit card account XXXX for {$9.00} on XX/XX/2022 XXXX XXXX  for {$51.00} on XX/XX/2022 and XXXX for {$41.00} on XX/XX/2022 I notified chime of the issue of XXXX the XXXX and had a new card issued but had to wait til XX/XX/XXXX for transactions to post so I could dispute transactions which I didnt think it would be any type of of issue because Ive never disputed any transactions with chime and never had any type of issues such as this so I sent off my dispute at around XXXX XXXX hours later my dispute was denied which obviously shocked and confused me so I contacted them directly about it and was told they didnt see a error in there system so it was denied then was told it would be escalated so I waited 5 days and hadnt received any type of communication contacted them and was told that there was no escalation made and I had 2 options which was either accept the fact someone stole my money and move on or send in extra info to possibly get case reopened and investigated ( properly ) then possibly receiving a refund in up to 90days this is absolutely asinine to me and Ive never went thru a issue like this with not only this bank but any bank Ive had a account with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX and I am reaching out to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, in addition I have enclosed copies of the Federal Trade Commissions 's Identity Theft Affidavit. Please remove the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX and I am reaching out to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, in addition I have enclosed copies of the Federal Trade Commissions 's Identity Theft Affidavit. Please remove the items as soon as possible.

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 2022-07-20 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've recently discovered that there is unauthorized information in my name being used on my credit reports, I would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports so I'm insisting they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I've reported the theft of my identity to the federal trade commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Im filing a complaint against FCO based on their continued attempts to collect an alleged debt that is intentionally abusive and deceptive. Im demanding that the collection company cease and desist all action against me, as my evidence is more than sufficient. The main points as per attached : 1. ) The original Lease included an attachment move-in/move out form thats signed by leasing manager, and clearly showes damaged flooring. Furthermore, attached confirming letters from leasing manager.

2. ) Moved out early due to breach of contract - Violation of the implied warranty of habitability under California code section 3 D616 civil code 19411942. No rent due for period alleged.

3. ) If money was due 3 day notice would have been attached to door, followed by court filling for eviction and unpaid moneys including any damages. This never occurred because there was no damages or money due at move-out.

4. ) Accounting Statement sent was a clear indication of a deceptive debt and intentionally abusive. The total amount is intentionally inflated to collect a higher amount by adding on numerous fees, then apply the same fee a second time. Double charges for same item on services never rendered, late fees charged on rent not due, etc.

The collection company purchased a fraudulent debt. The alleged debt is intentionally abusive and deceptive as outlined in attached documents. Therefore, FCO must cease and desist all collection activities against me.

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 2022-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After reviewing my credit report I noticed XXXX XXXX XXXX as reported multiple times. These accounts do not belong to me. The accounts are duplicates and have not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
I received a copy of my credit report and noticed some hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Hi i used moneygram to send money to my mother for her medication in her bank account. Then moneygram send me a notification that the transaction is canceled. So i called moneygram customer service, i told them i didnt canceled it and if its canceled can i have my money back in my account because I really need to send it again in a different way because my mom need it for her medication. I talk to two moneygram customer service they both said it takes 3 to 10 business days for the my money to be back in my bank account. I told them but I really need to send that money now because its for my moms medication. They said theres nothing they can do. Its for medication and I dont have extra money to send again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXXXXXX is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the XXXX gap insurance coverage they made me put in my loan agreement. I filed XXXX  XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX  is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the XXXX gap insurance coverage they made me put in my loan agreement. I filed XXXX  XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the XXXX  gap insurance coverage they made me put in my loan agreement. I filed XXXX XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.

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 2022-07-20 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: CA

Complaint narrative:
I received a copy of my credit report and noticed some hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-07-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a copy of my credit report and noticed some hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXXXXXX 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 2022-07-20 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: CA

Complaint narrative:
I ran a credit check and a XXXX  loan was on my report. I have never taken, received or applied for a XXXX  loan.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There was a fraudulent charge on my Home Depot credit card that I wasnt aware about until I receive a letter stating my dispute was denied. When I looked at my statement I notice a charge was made in XXXX. I called to ask why there was a charge made then was credit. They told me that I had dispute a charge which I didnt. But since they charge me I dispute it since I didnt made the charge. There was no purchase history on my account nor did the deliver address match my home address and they assured me that I would get credit back. I then get another decline letter for my dispute but never explain why it was decline. I have now dispute it for the third time and they wont credit me back and making me pay for the charges I did not make.

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