vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
THIS IS A NON NEGOTIABLE REQUEST FOR HONOR AND PUBLIC NOTICE OF DISHONOR AND INVOLUNTARY SERVITUDE, AND CONSPIRACY TO COMMIT FRAUD UPON THE PEOPLE. I am familiar in the facts of the certificate of title. I am the named party in the said birth certificate. I am named party as me of one of the owners of it. Please take notice update all records that the certificate of title City of New York certificate number XXXX State of New York Secretary of State no XXXX United States of America Department of State no XXXX has been accepted and transferred into Trust. I have beneficial interest in it and I demand a full record of ALL accounting, ALL book keeping entries, all records with NAVY FEDERAL CREDIT UNION ASSOCIATED WITH XXXX. NAVY FEDERAL HAS STOLEN MY PLACE AS BENEFICIARY AND STOLEN MY TRUST AND USED IT FOR THEIR BENEFIT, WHEN IN FACT THEY ARE THE TRUSTEE. INVESTIGATE IMMEDIATELY. I have also declared full acceptance and bonded them to their oath. I come in peace love and light as one of the creators XXXX daughters and heir on the land requesting honor. I have acted in good faith and look forward to a honorable and equitable response.. All rights reserved without prejudice without recourse.. Either you are a part of the problem or PART of the solution. You decided. Be governed accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I've requested correction of from XXXX XXXX of amounts to be adjusted to correct amount for XXXX XXXX XXXX on Equifax report XXXX and XXXX .the amount wasn't corrected after payment made was not adjusted from XXXX. I disputed XXXX XXXX XXXX XXXX whom I've never had a contract with which was sold from XXXX XXXX XXXX XXXX XXXX amount of XXXX, XXXX XXXX, XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Social Security was provided in addition to documents showing that I had Indiana Family and Social Services medical coverage during these times. Due to the false and negative information it has harmed my credit and caused financial hardship to which it has violated my rights 15 U.S.C 1692, 15 U.S.C 1666 and ( T.I.L.A ) ( F.D.C.P.A ) XXXX  XXXX XXXX XXXX, XXXX, has settled in Lawsuit is closed was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Settlement has be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
I have contacted both First Interstate Bank and XXXX to remove errors in my credit report many times and they will not remove this account from my credit report. First Interstate Bank has verified this as being correct. 

This account is Account Number as it appears on my XXXX Credit File dated XX/XX/XXXX Confirmation # XXXX, XXXX FIBANK XXXX XXXX XXXXXXXX XXXX MT XXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXX XXXX XX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with First Interstate Bank ( Error 3 ). This was 24 days after the XXXX  XXXX was filed. FIB claims this was charged off ( Error 4 ). Months Revd XXXX This was not a 6 years loan ( Error 5 ) .Activity Designator Paid and Closed, If this was Paid off was was it a charge off ( Error 6 ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error 7 ). Date of 1st Delinquency XX/XX/XXXX - Date Maj Del. 1st Reported XXXX/XXXX This is 6 years LATER ( Error 8 ).

High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by First Interstate Bank. By law FCRA section 609 and 611 requires First Interstate Bank and XXXX to report information accurately or remove the account from my credit report. 16 Errors are visible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi my name is XXXX XXXX. I have noticed unauthorized hard inquiries on my account from Regional Acceptance on dates XX/XX/2023 & XX/XX/2023. Please remove immediately

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 2023-05-08 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: PA

Complaint narrative:
Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX {$2600.00}

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 2023-05-08 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: PA

Complaint narrative:
Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-05-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my XXXX credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My mother, XXXX XXXX XXXX, and I, XXXX XXXX were forced into foreclosure in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX MD XXXX. The house is very old, but my XXXX, XXXX XXXX, who has a XXXX lived in the home until XX/XX/XXXX. My mother, XXXX, is his Authorized Representative. The house is very old, but we had to move him into Senior Housing facility because the house was becoming inhabitable and he is not able to fix the house on his own. 

We called in XXXX XXXX to submit missing payments and Wells Fargo would not accept. After starting the foreclosure process, we sought and obtained free legal help from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX. We consulted with our assigned attorney regularly and submitted all required paperwork to Wells Fargo. We also informed that we needed the home for our XXXX, XXXX XXXX, who is XXXX, given that we take care of all of his needs and requested that Wells Fargo present us with options to get out of the foreclosure process. 

While all of this is happening, their lawyers harassed us with paperwork and notices of foreclosure sales and property deed changes. We have 3 binders of Wells Fargo foreclosure paperwork to provide CFPB with supporting evidence. 

After many consultations we submitted the appropriate paperwork to receive a MEDIATION. As lawyers continued to send threatening paperwork that we weren't eligible for mediation, we notified all parties that we submitted the correct paperwork. We finally got ahold of XXXX XXXX and were informed that an employee lost the paperwork, found it on the phone, and sent it to the Wells Fargo and their lawyers. At the time our loan specialist was XXXX XXXX - XXXX and XXXX XXXX XXXX. 

They finally received the mediation paperwork ( we have record of submitting it ) they gave us a date of XX/XX/XXXX. It was a remote mediation with our attorney. This mediation is RECORDED. Please find a way to review it for confirmation of statements. Wells Fargo reviewed our financial profiles and stated that because we had decent credit scores and income we could move forward with getting the house out of foreclosure. We then ended the call, said great and moved forward. 

Months later Wells Fargo said that XXXX and I could not buy the house, did not accept our offer, and ignored every email from their further. We were then forced to foreclose on the home and accepted a buyer that redacted the sale on XX/XX/XXXX. 

We need help and we have supporting evidence ( mailed letters, receipts, taxes, bills, administration hearings, title changes, etc ). Please help us if you can. 

Mortgage Loan # 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 2023-05-08 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX & XXXX  Date of inquiry 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 explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX  I made a purchase for {$110.00} from XXXX for 4 pairs of legend of XXXX swim trunks. Said company sent 4 pairs of flimsy shorts with no mesh in the XXXX for support of XXXX XXXX I emailed the company and they claimed I ordered board shorts and the ad was taken down, then reposted temporarily with the correction board shorts before taken down again. They asked me to submit a screenshot of the ad, and I told them it was removed. They then asked me to return them in exchange for a 15 % discount on a future order. I declined requsting either my correct order or a full refund. They came back offering a 5 % DISCOUNT. I said absolutely not. They then asked if they could send a partial {$80.00} I said no. 
XX/XX/XXXX I called chime and filed a dispute. They said I wasn't allowed a provisional credit bc it was above the allowable amount, but I'd have an answer in 90 days. 
XXXX XXXX XXXXXXXX 20 days later I was not issued any credit. 
Meanwhile, I'm still arguing with nursecloth, asking for a refund. Bu this time they begin asking for my bank information. I said absolutely not, they had my card information. They said they were getting declined processing the refund allegedly. Chime claimed there was no attempt on nursecloth side to send any money. 

A 3rd party ( XXXX ) began emailing me for my bank information because they allegedly were having problems issuing a refund. I told them they can XXXX me the refund or other acceptable means but they insisted on my bank information. 
They also begin telling me that since the dispute is open, it's preventing the refund, I must close the dispute before I get my refund. Obviously if I close the dispute they'll never give the refund bc it'll look like the account was settled Meanwhile XXXX is 90 days and chime denied my claim stating there was no error on XXXX part. They said I needed to file an escalation and they'd send me a letter on why I was denied ( they never do send any letters ). I submit appeal with all correspondence from XXXX, mapiet and myself. 90 days, denied, XXXX filed appeal, allegedly nothing wrong, included email where XXXX admits I'm due a refund and received nothing, 90 days XXXX same cycle. No explanation. By this time, XXXX has shut down the website, they have blocked me, mapiet stopped responding and chime insists I can sue if I want but nothing will come of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This is an ongoing issue that had not been resolved. No one is allowing me to get any resolution. 
I receive calls from Chase Bank Executive office with still no resolution. When they transfer my calll Im on hold for 45 minutes or longer. No one comes back to the phone to help me out. This is in every way poor business practice. Why transfer me all around if no one is willing to help!!! Why call me if Im given the run around? This has been going on for a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: MS

Complaint narrative:
These inquiries are on my equifax report and i need them remove XXXXXXXX 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 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 equifax 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 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 equifax 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 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 non-monetary relief
Consumer complaint received 2023-05-08 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: MS

Complaint narrative:
These inquiries are on my XXXX report and i need them remove XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 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 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 Experian 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 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 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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
I received a letter from Asmsher collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX stating that I owe XXXX XXXX I checked the box that indicates that the amount is wrong and returned by certified mail. I have since received another letter from XXXX XXXX XXXX XXXX XXXX XXXX a debt collector,XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX Al XXXX dated XX/XX/XXXX indicating the same amount, yet with no itemization of the amount in question. I switched mobile carriers in XX/XX/XXXX and was told by XXXX rep that I could not make the switch until I cleared my account, which I did. Prior to receiving these collection letters, I emailed XXXX XXXX and XXXX XXXX at XXXX requesting an itemization of the charges in question and did not receive any follow-up. I pulled my credit report and saw that it appears as a negative account from Amsher collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief