vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 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:
There was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX XXXX XXXX false statements made on behalf of XXXX and fake letters they said they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Delete the hard inquiries Thank you

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 2022-09-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete the hard inquiries Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXXXXXX XXXX XXXX Account # xxxxxx XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX ( {$30000.00} ) Account # xxxxx XXXX XXXX, XXXX ( {$63000.00} ) Account # xxxxx XXXX XXXX XXXX ( {$3300.00} ) has violated my rights. 

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 non-monetary relief
Consumer complaint received 2022-09-03 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX  Account # xxxxxx 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 ( {$3300.00} ) has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2022 I was scammed through XXXX XXXX by making a payment through XXXX. The scammer messaged me with the name XXXX XXXX to purchase my headphones that were priced at {$290.00}. Hi insisted on making an early payment before meeting and insisted on using XXXX. I provided my QR but they insisted my email address. They claimed to make the payment and I received an email saying that I could not receive the transaction because my account was not a business account. The instructions were that XXXX should send an addition al {$290.00} and I should directly refund him {$290.00} for me to receive the payment. They claimed to make the additional payment and I made a refund deposit following. An additional email came giving me the same instructions but for twice the amount. 
I reported this to Chase and XXXX to stop the transaction or make a dispute, but they claimed that these cases where out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Hello, On XX/XX/2022, a fraudulent purchase was detected by Ally bank and I was notified immediately. I was then issued a new card that came in about 2 days later. However, I was only compensated for one fraudulent purchase by a website called XXXX for about {$40.00}. I was not compensated for another purchase from XXXX for a little more than a dollar despite the agent I spoke with saying she would get that taken care of. Normally, I would shrug it off, it's just a dollar after all... 

However, this morning ( XX/XX/2022 ), I received two more fraudulent charges for {$200.00} ( again from XXXX.XXXX, after asking an agent to blacklist that site ), and a new charge for about {$40.00} from XXXX.XXXX. 

After locking my card and asking for these issues to be addressed, I was told that I had to let the charges go through and dispute them afterward. Now, I won't be able to pay my utility bill on time because I will have to wait for the funds to get back. Meanwhile, someone out there is getting away with stealing almost {$300.00} from me. This is unacceptable, and Ally bank has yet to make a statement on this issue, despite it being very widespread right now.

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 2022-09-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing LLC violated my rights 15 USC 1692 c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with a collection of any debt ; 15 USC 1692 b ( 4 ) not communicate by post card ; 15 USC 1692 b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 b ( 5 ) not use any language or symbol on any envelope, or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1692 d ( 2 ) Related to harassment or abuse : not use of obscene or profane language against the hearer or reader ; 15 USC 1692 g ( a ) Related to validation of Debt-notices within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless, the following information is contained in the initial communication, or the consumer has paid the debt, send the consumer a written notice containing : ( See ( g ) a-1, a-2, a-3, a-5 ) ; 15 USC 1692 k ( a ) 2 ; ( c ) ( d ) Related to civil liability and debt collector should pay for damages and injuries caused to the consumer ; ** I the affiant invoke my rights as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13 ( d ) 1 : ** I the affiant has sent certified letters with returned signature, as the administrative process requires, to SLS requesting proof and evidence for alleged debt, agreement between parties with binding contract and wet signature, that they did not purchase debt from the origin source, that they are not debt collectors, that they are not a third party agency, that they have authority to contact me and harass me using violence, threats, conspiracy to commit fraud and extortion, etc., I the affiant has proof of all correspondence sent to SLS via certified mail using the postal office as " Postal rule '' ; from Debt Validation on XX/XX/XXXX, Cease and Desist on XX/XX/XXXX, Affidavit of Truth on XX/XX/XXXX, and a final Extension letter on XX/XX/XXXX to provide requested information. But SLS has failed and did not provide any of those ; instead SLS has continued to use my name, address, credit records, DOB and other private information without my consent.

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 2022-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I have blocked this number and continue to receive voice mail messages three times a week. This has been going of for a long time now. I tried to called the number back once but you go into a loop and no one answers. 
The message left is as follows : Hi this is XXXX XXXX calling from credit management company please contact me or any of our representatives at XXXX Then it repeats itself again and the message is 36 seconds long. 
I have no idea why they are calling me as I do not have any debt owed. 
This appears to be a scam or a phishing expedition. 
Please make them stop as I have to go in and manually erase the messages every couple of weeks as they are eating up the space on my message program on my phone. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: LA

Complaint narrative:
After denying access to my account and credit report immediately following filing of the CFPB complaint on XX/XX/22, EQUIFAX is NOW REFUSING to permit upload of legal DOCUMENTATION pursuant to TILA VIOLATIONS on the account with specific XXXX XXXX XXXX XXXX. EQUIFAX IS DENYING ACCESS TO UPLOAD RELEVANT TILA and LEGAL DOCUMENTATION FOR ACCOUNT ( S ) UNDER TILA VIOLATIONS AND ADMINISTRATIVE REMEDY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or about XX/XX/2022, while I was washing some video on XXXX. I receive a popup to sigh in to a free mentoring service on how to make thousand of dollars weekly through a XXXX and XXXX XXXX XXXX opportunity. After clicking to view the presentation the requested to give my personal information to see if I qualify. I did provided my information and the following day I receive numerous call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. His address XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. He was trying vary hard to get me to invest {$30000.00} but I told him that I want to begin with the {$10000.00} program. on XX/XX/2022 he insisted to go to the bank and send the money via wire transfer. On XX/XX/2022 I did wire the amount of {$7000.00}. But he was not happy because he need the rest of the money to complete my application. Therefore, on XX/XX/2022 i send to XXXX XXXX  XXXX XXXX the amount of {$3500.00}. Via ACH. Once they received the money they keep sending me email requesting more money XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ; made millions of dollars in commissions by enticing thousands of people to pay as much as {$30000.00} for mentoring services, using false claims and misleading testimonials about how much money they could make. They advertised on social media, XXXX, online news sites, and at live events, specifically targeting older consumers. These so-called affiliates helped XXXX  XXXX XXXX XXXX. swindle consumers out of millions of dollars by making outlandish and false earnings claims. 
I asked Bank of America for help and I was told that they can't help me. That I should be more careful who I send money to.

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 2022-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I cancelled my TV subscription with XXXX XXXX because I moved to different area and the new places policy was not to bring that kind of services. I contacted them that I want to cancel the service in XX/XX/2022 I forgot the actual date thats when then said I have to pay {$400.00} to do that because I upgraded to a different services and their policy stated that if I was to cancel within 2 years I will pay. I was not told about that and when I go back on the forms, I didnt sign, someone put XXXX as my signature. I refused to pay and they took money out of my bank account. I disputed it and recently I received an email from a company called Convergent Outsourcing that I owe XXXX XXXX {$990.00}.

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 2022-09-03 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: NV

Complaint narrative:
I am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX  if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX {$1500.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX  {$1500.00} - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$390.00} -- XX/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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the XXXX XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from Transunion stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus XXXX 

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on XX/XX/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 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX of 2021 I noticed a series of micro transactions on my XXXX card ; which was provided to me by my employer ( XXXX  ) for my paycheck to be deposited each pay period. These transactions were in small amounts between {$1.00} and {$6.00} each. There were dozens taken from my card between XX/XX/XXXX and XX/XX/XXXX. the total was approximately {$600.00}. This was an entire paycheck that went missing. 

I notified XXXX  by calling the number on the back of my card and they provided me with a new card and told me they will put a request in to refund me the money. after several weeks of waiting, I was notified that the results of the investigation would not support a refund. When I asked why and what the investigation concluded, they told me that they could not provide that information. I asked why they could not provide this information and they said they don't have that information. When I asked to speak to someone that could provide the results of their investigation, they told me that their investigation team does not speak to anyone and can not provide it to me. After a series of phone calls attempting to reach someone that can help me with the investigation results and a series of being hung up on, one person told me that they could send me the investigation results by mail within 10 days. After 10 days, I received nothing in the mail and called them again. They told me that it was sent and to just wait for it to arrive. It never came and I still have no answers. They did not provide me with a reason for denying me a refund for fraudulent charges on my account, nor did they send me any information. 

I am writing to the CFPB now because I am out of options. I do not know what to do, nor do I have the time to go back and forth with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
No one contacted me regarding the collections information and it was misleading billing. This is the company listed. I don't know how I didn't find out about this. CREDIT CONTROL SERVICE has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : CREDIT CONTROL SERVICE Address : XXXX XXXX XXXX, XXXX, MA XXXXXXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$52.00} My phone number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Hi there, XXXX XXXX XXXX is attempting to collect on credit card debt via MidlandCredit.com. 

Amount : {$4500.00}

Company response to consumer: Closed with explanation