vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: MD

Complaint narrative:
Email to the XXXX that called me today XX/XX/2023 XXXX XXXX, I can tell you that though it was nice hearing from you after over a year, this experience has made me want to never sign up for a gym membership again. 

When I initially signed up for services, I came I believe a total of 3 times. I paid for XXXX personal training sessions and only used XXXX. Afterwards, I decided that I did not have the time to continue and not only called and left a voicemail to cancel, but I also emailed your ABC payment team and requested that all services be terminated effective immediately. 

Now today, I received a call from you informing me that I was not cancelled and that I owed for months of services that I never received. I have not received a call, text, or email until today and I was also informed that I would be sent to collections for services that I thought were cancelled over a year ago. Can your pleas have your district XXXX call me. I am requesting a courtesy to waive all charges XXXX XXXX is trying to collect from me. I have not scheduled any services, inconvenienced anyone, or caused the XXXX to lose any money and I am requesting that my services be cancelled and my account to reflect a XXXX balance. 

Thank you very much for your understanding and support regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The post office unable to deliver my mail to these wrong and inaccurate addresses and creditors are denying me credit due to these incorrect names and addresses. Furthermore I do not want to be acceptable to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I asked for a validation letter and they refused, stating they could not mail me one without my legal address or social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from State Employees Credit Union. According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''. 

Account Name : State Employees Credit U Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my wet signature nor gave State Employees Credit Union written instruction to report information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It XXXX Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date Of XXXX XX/XX/XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hard Inquiry from JPMCB Credit Card XX/XX/23 I applied for Chase Credit Card. Inquiry twice for same card Chase unlimited... I was advised to contact XXXX to assist me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2023 I attempted to transfer {$7.00} ( as shown as my available balance ) from PayPal to PayPal Credit as a payment. I received a confirmation email shortly afterwards. 

On XX/XX/XXXX, I received an email from PayPal stating that my payment has been " returned '' without any exact reason and said I'd be " charged a return check fee of up to {$27.00}. '' Now the transaction doesn't even appear in my PayPal activities and they have stolen the {$7.00} as it doesn't appear anywhere now. 

When I attempt to resolve the issue with PayPal, their " Customer Service '' is non existent. I waited over *4 HOURSXXXX on hold with no answer. This is an unacceptable way to conduct financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I recently obtained a copy of my consumer report and noticed that you have reported an account to all three major Consumer Reporting Agencies without my permission. This action appears to lack a permissible purpose, and I was not informed of my right to opt out of such reporting. Therefore, I am writing to exercise this right and request that you cease reporting this 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 2023-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Help Financial, LLC
State: PR

Complaint narrative:
In XX/XX/2022 i saw that someone had opened accounts in my name. I disputed these accounts with credit agencys. theres XXXX accounts from first help financial and XXXX from XXXX XXXX. 
Theres also XXXX names that are not my name in the account. Also addresses that are nor mine. I dont owe that money. Ive lived in XXXX XXXX my entire life. Those accounts are from somewhere in the USA that i have no knowledge of. You can see my info and see that everything i have is in XXXX XXXX. Not in The US. Also, inquiries that arent mine are also there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
They would say the XXXX was verified but never provided the source of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
They would say the XXXX was verified but never provided the source of verification.

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 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX routinely checked my business account and see wire transfer. I immediately called Chase Fraud Division to report the XXXX that I never wire transfer and not to wire transfer. They ignored my instructions and wire transferred {$9800.00} to XXXX XXXX and then on XXXX once again wired to XXXX XXXX XXXX to a XXXX XXXX {$13000.00}. They fully acknowledged my calling them as they have it recorded. The funds came out of my Chase business account # XXXX. The investigation for the {$9800.00} is XXXX. The investigation into the {$13000.00} us XXXX. Now since this all began I have been told that there is no record of this matter ; no recording ; no claims filed and I have often been brought to tears. Finally I was told that Chase has requested the money from the receiving banks but they refuse to release it because the person who was supposed to get my money won't agree to return it! At this point I withdrew all of my accounts, everything they had of mine. I have repeatedly called and lied to -- they simply don't care. FYI my husband XXXX  on XXXX from XXXX XXXX XXXX XXXX Unbeknownst to me he cancelled everything we had. He left me XXXX  to live on so therefor at XXXX XXXX XXXX soon to be XXXX I work full-time as a realtor ; that is the only way to survive. For sure U can not live on his XXXX  of {$2200.00} a month. The {$23000.00} that Chase has stolen from me us a huge amount. Also in the way they have mistreated me. Every single phone call I am lied to ; and they refuse to take responsibility for what they did when I instructed them not to. Please, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete this items IMMEDIATELY! This account should not be furnished on my consumer report as its in violation! Under, 15 U.S Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL SUBMITTED to subsection ( c ) any consumer reporting agency agency may furnish a consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Claimed XXXX, did reaffirmation of loan made all payments on time paid off early and they they report to credit bureaus all three as a charge off. Sent my XXXX XXXX into the tank, lowered my XXXX XXXX lower than when I claimed XXXX. This credit union is out for a very unfair vengeance. Other creditors did proper reporting but not this credit union. You get absolutely no help at all.

Company response to consumer: Closed with explanation