vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NY

Complaint narrative:
On or about XX/XX/XXXX, I received notice that some information changed on my credit report from XXXX. I immediately contacted XXXX, to see what this was all about. It appears that a private school by the name of XXXX XXXX XXXX XXXX, claimed that I had an outstanding obligation in the amount of ( {$2000.00} ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dollars. I filed a dispute with XXXX, because I knew that this wasn't my account and it was incorrect because the school closed its doors in XXXX, and changed its name to XXXX XXXX. After the debt validation period with XXXX they removed this fraudulent matter off my consumer credit file. Next, On XX/XX/XXXX the mattered re-appeared on my consumer credit file again ; this time it was a different collection agency., TekCollect, out of XXXX XXXX OH. I contacted TekCollect directly to inform them that this was an improper collection and the account had been removed previously as did not belong to me, and requested that they delete this from my credit file and I would be sending them a request in writing. I further explained to TekCollect, the violation my rights under FCRA ,15 U.S.C. 1681 and the FCRA, the Furnisher Rule 12 C.F.R. 1022.40-1022.43. TekCollect, has engaged in " Debt Parking or Passive Collection '', tactics here. They placed this collection on my consumer credit file first with XXXX, and XXXX. on XX/XX/XXXX and then mailed me a demand letter on XX/XX/XXXX. I have brought this to the companies attention ; along with the fact that this is not my account no response from TekCollect. I sent a certified debt validation letter, demanding a removal of this account from my consumer file and copies of all sign contracts here - no response. I'm a single father of XXXX children, and can't afford to have my consumer file damaged like this. I have been in contact with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; and they indicated to me that the school closed in XXXX and became XXXX XXXX, which closed in XXXX, and they have no unpaid invoices in my name. Lastly, TekCollect Inc. XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX @ XXXX, needs to be stopped from engaging in these type of unethical practices. 
TekCollect Inc. Has placed this matter on my consumer file under the reference number of XXXX ; and when you call them they say this number is not a valid account number for their company. The XXXXXXXX XXXX XXXX XXXX, also indicate this isn't a valid account number for their organization as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.

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 2022-04-05 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: CA

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing.

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
I understand I had an appt that was not completely covered by insurance. Then the covid came along and messed everything up. Is there a helper I can apply for? Everything else is helped because of covid ... ... so .....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
DataX refuses to remove inaccurate information, be it personal or outdated inquiries. Per FCRA guidelines any inaccurate information is to be removed. Furthermore FCRA guidelines state that inquiries are only allowed to be reported for 24 months. DataX refuses to remove inaccurate personal information and refuses to remove inquiries 24 months and older. DataX is also reporting my banking information that has no permissible purpose and does not have my permission to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Synovus Bank
State: CA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX AND XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account number XXXXXXXX XXXX XXXXXXXX. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX XXXX XXXX and the person [ XXXX XXXX XXXX XXXX Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( XXXX XXXX ) and the person ( YOU ) [ XXXX XXXXXXXX XXXX  ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account [ ACCOUNT NUMBER XXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX at XXXX am my checking account was charge for a transaction of {$4100.00} via my debt card. My debt card had not been used physically for the over 4 months. My checking account only had roughly {$1400.00} in it, however my Wells Fargo credit card is linked to my checking account as an overdraft feature. My checking account was left with 0 dollars and my credit card was left with the difference of around 3,400. Never in the 15 years with Wells Fargo have a made a purchase of that amount physically using my debit card. I filed a claim with Wells Fargo and the investigation determined it was a valid transaction. This is the same bank that denied me to pull out 4,000 dollars from their bank due to fraud activity when I was physically present and showed them my ID, used the debt card, and pin. I am just mind blown how a transaction at that given hour was authorized.

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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: UT

Complaint narrative:
Chime bank allowed fraudulent online charges to my checking account via my debit card. These charges were reported as soon as they had been discovered and I closed my debit card. Initially, I received attempted charge blocks for large amounts and then multiple smaller charges rapidly processed. I attempted to dispute the charges and report the fraud, however, their online system would not allow me to dispute pending charges, so I simply closed the card and the next day disputed the charges. Chime has denied my fraud claim and will not share with me the reason for the decline for another 10 days. My card has always been in my possession and these charges came in from out of the country, obvious fraud. I believe Chime has violated Reg E in denying my claims and acting on behalf of a fraud success. Charges processed on XXXX XXXX and XXXX. I reported the fraud on the XX/XX/XXXX, chime denied my claim on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a Chase credit card customer with 2 different cards. In XX/XX/2022, I called in to ask if they could increase my credit limits without pulling my credit. I was told THEY COULD! A couple weeks later, I received a new credit card, which now having two of the same credit cards called in again. They pulled my credit AGAIN! I have filed 2 XXXX complaints and an Attorney General complaint regarding unauthorized credit pulls WITHOUT my authorization! My credit score has dropped and now I have 2 of the same credit cards with an increase of only {$1300.00}. I would like to file a formal complaint against Chase Credit Cards for deceptively pulling my credit without my authorization, derogatorily affecting my credit score, increasing my credit limits that isn't satisfactory, and having 2 of the same credit cards! I have asked several times both with a personal banker and with Chase 's Executive Relations office if the limits could be increased as a tenured customer of over 13 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/22 I made a wire transfer with my bank Wells Fargo of a total of {$16000.00} thinking I was working with the XXXX and XXXX XXXX XXXX XXXX. No questions were asked by bank representative and the wire was taken. Then on XX/XX/22 I sent another wire transfer because I was told my funds in my accounts were at risk for being stolen so I had to make a security hold wire transfer of XXXX. When I finally realized I was a victim of Fraud I went to the bank and told them what happened and showed proof of documents I received from who I thought was the FBI they opened 2 cases but then I was notified that one case was closed and cant get my money back. I also filed a police report and a report to state attorney general. Ive been a customer for years with Wells Fargo and now that I was a victim of Fraud and showed them everything they havent been able to help me get my money back.

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 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I signed the loan agreement yesterday - the loan was for {$1500.00}. 
I decided today that I wanted to pay a portion the loan off because of the high interest and have been trying to get a hold of someone. When I call the number XXXX, I am told I can make a payment online but there is nowhere to do that. If I press any number, I get immediately disconnected. I also get disconnected when I ask about paying off my loan ( after being told it is possible ). I am getting increasingly more afraid that this was a scam. I also tried sending an email and the reply just said to call in .... which does not work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: HI

Complaint narrative:
My husband & I are in the final stages of closing escrow on a new home. We were waiting for the wiring instructions as this was a cash purchase. We received the wire instructions for our escrow agent as well as an email from our real estate agent asking us to confirm receipt of the wire instructions. We responded we had and wired the money that day according to the instructions. Both emails looked exactly like previous emails from both our realtor and escrow company so we were not suspicious. We wired funds on Wednesday, XX/XX/XXXX. On Friday I contacted the escrow company VP to complain that my agent was not returning calls and that we had not been given the signing date as promised. He informed me that they had not sent wire instructions and that our {$580000.00} had been sent to a fraudulent company. The escrow company reviewed everything we were sent and were amazed at how the fraudsters were able to clone their own documents. We contacted our bank and reported the fraud on Friday, XX/XX/XXXX. my banks fraud department contacted US Bank oXXXX XXXX, CA ( the receiving bank ) and requested a recall based on fraud. At this point XXXX Bank has not made the decision to return our funds.

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 2022-04-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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:
I recently received a copy of my ( Experian, XXXX AND XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account number XXXX XXXX XXXX. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX XXXX XXXX and the person [ XXXX XXXX XXXX ] Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( XXXX XXXX ) and the person ( YOU ) [ XXXX XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account [ ACCOUNT NUMBER XXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2022-04-05 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: IL

Complaint narrative:
just checking my credit report and noticed accounts and inquiries that doesnt belong to 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 non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMCOL Systems, Inc.
State: WI

Complaint narrative:
Initially, company called and left a voicemail to call them back. A week later, they called again and asked me for my address and name saying they want to discuss a " business matter. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
CREDIT ACCEPTANCE CORP IS REPORTING A ALLEGED ACCOUNT THAT I DO NOT RECALL NOR RECOGNIZE AS A RESULT I BELIEVE THIS ITEM MAY BE A RESULT OF IDENTITY THEFT AND I AM TAKING THIS STEP TO REMOVE THIS POTENTIALLY FRAUDULENT ITEMS FROM MY CREDIT REPORT..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: PA

Complaint narrative:
XXXX XXXX  Accounts opened in the amounts of : {$690.00} XXXX XXXX Accounts opened in the amounts of : {$880.00}. 
This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Text message received : # XXXX ; Two ( 2 ) lnstances of Fake ACTlVITY has made your, ONLlNE RATlNG ( XXXX XXXX ) ; FlX immdiateIy : XXXX STOP to end Phone number attached : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have unauthorized hard inquiries from this company showing on my credit which is affecting my financial situation drastically.

Company response to consumer: Closed with explanation