vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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: SC

Complaint narrative:
XXXX XXXX Date : XX/XX/2014 Amount : {$110000.00} In 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 non-monetary relief
Consumer complaint received 2022-05-25 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: WI

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 explanation
Consumer complaint received 2022-05-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX, I wrote a check for {$3500.00} # XXXX to XXXX XXXX XXXX as an initial payment for a roof repair at XXXX p.m. Within the hour, about XXXX p.m., I contacted Chase Bank to stop payment and reported fraud, as I discovered that XXXX XXXX was ordered to cease and desist by the Illinois Department XXXX XXXX XXXX XXXX as an unlicensed XXXX XXXX 
The Chase Bank Customer Service representative stated that she could not stop payment and she assured me that the XXXX Department would help me ( these calls are recorded ) On XX/XX/2022, I contacted Chase Bank, requesting help. Chase Bank told me that they could not help me as I wrote the check. It did not matter that XXXX XXXX XXXX is a fake company and that this man committed fraud against a XXXX XXXX 
On XX/XX/2022, Saturday, Chase Bank Rep told me that the XXXX Department was not open on the weekends. However, the next day, XX/XX/2022, Sunday, I tried to call XXXX Department and they answered. They continued to place blame on me for writing the check despite the fact that it is a check written to a company for services. 
On XX/XX/2022, I saw that check # XXXX to XXXX XXXX XXXX was not endorsed. It was deposited to an account without a signature and without a business stamp. Chase Bank then took my fraud report but continued to state that it was my fault that I was scammed. 
I made a report to the police department on Sunday, XX/XX/2022 XXXX XXXX, XXXX XXXX. 
I made a report to XXXX  Attorney General # XXXX I made a report to Federal Trade Commission XXXX XXXX contacted The XXXX XXXX XXXX Attorney Office and made a report on XX/XX/2022 I have called Chase Bank XXXX XXXX XX/XX/2022 requesting for assistance on a fraud against a XXXX XXXX. It is against Federal Law to scam sXXXX XXXX  and Banks are responsible. Chase Bank is aware that XXXX XXXX is a XXXX XXXXXXXX, misrepresenting himself as a XXXX XXXX ; this is allowing and abetting fraud by ignoring his fraudulent deposits with no authorized agent endorsing a check for XXXX XXXX. 
Please assist me in this most frightening and frustrating experience. I am a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I have retained an international attorney to represent me regarding the resolution of my parent 's estate. As he is not located in the US, he provided to me his information and requested that the payment be submitted via moneygram. I scheduled a payment of {$1400.00} usd with a transaction fee of XXXX the payment reflected that it successfully processed but when I attempted to sign back into moneygram to obtain the reference number I found that my username and password would no longer work. I contacted Moneygram and was advised that they flagged the transaction as suspicious and revoked my privileges and suspended my account indefinitely. I have used moneygram as a faithful customer for years as most of my family reside in the XXXX. There was no detailed information as to why my account was suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello I have been trying to call and speak to a representative of Experian credit report. I have had no luck to talk to them of credit fraud and a freeze on the credit. My bank advised me to Reach out to all 3 credit reports and see what was going on, since I tried to get a personal loan and my credit was flagged down to where they couldnt get information.

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 2022-05-25 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: SC

Complaint narrative:
XXXX XXXX Date : XX/XX/2014 Amount : {$110000.00} In 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: SC

Complaint narrative:
XXXX XXXX Date : XX/XX/2014 Amount : {$110000.00} In 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 2022-05-25 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: Action Collection Agencies, Inc.
State: CA

Complaint narrative:
Idaho XXXX XXXX XXXX along side Action Collections, XXXX, XXXX and XXXX are all actively reporting incorrect information regarding a balance on an account. The balance is for {$6800.00}. This balance was paid in full, and has been for years. This needs to be removed, immediately, from my credit. This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department XXXX XXXX, along side state licensing board will receive complaints of illegal debt collection and reporting. You have until XX/XX/XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved. 


SECOND REQUEST FOR DELETION AND REMOVAL : FIRST REQUEST SUBMITTED XX/XX/2022 CFPB ID NUMBER XXXX I will take this as willful and malicious intent to not resolve this matter amicably. The information provided would allow you to view and verify the information that I had provided with the credit bureaus and your reports. In case you are just XXXX, it is under XXXX XXXX, my maiden name, which you already know given the information provided before. You have until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: WI

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 2022-05-25 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: WI

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MO

Complaint narrative:
After doing a forensic investigation and analysis on the three XXXX 's investigation, the three XXXX 's have still failed to conduct a reasonable investigation on the items presented to them by me. Also, I have found that there are inconsistencies in the three reports that might be due to the Metro 2 format. I believe Experian, XXXX, and XXXX use a system called E-Oscar to handle investigations. I have asked the XXXX 's to not rely on this system because it is not 100 % accurate and it is not fair. On XXXX/XXXX/2022 I spoke with experian 's rep XXXX XXXX about my concerns, XXXX XXXX was very rude and confirmed that experian is going to continue to violate my rights under the FCRA, " does not care, and that I am wrong about my privacy rights '' .-XXXX XXXX  XXXX 

Attachments included. 

Legal action has been taken against the three XXXX 's for noncompliance and damages.

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 2022-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: UT

Complaint narrative:
I was contacted by SIMMS associates about a debt that I do not owe nor do I believe is mine. 
The debt collector is : SIMMS Associates, INC XXXX XXXX XXXX XXXX XXXX, DE XXXX I was contacted on XX/XX/XXXX regarding the matter, and I have asked them to fabricate proof that I do owe this debt or any sort of evidence that I could have taken out a loan. I called again on XX/XX/XXXX regarding the matter because I was not sent anything, just a letter saying who the creditor is. On XX/XX/XXXX, I called again regarding evidence of this debt owed, and they keep saying that they don't have it yet and that sorry it is taking a long time. All of these calls are monitored and recorded, so they are able to pull these voice calls for evidence. This seems like a scam because I do not owe anything to collections, nor do I have any student loans aside from 2 federal student loans which I am aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: FL

Complaint narrative:
Sent information to be investigated through the creditors and bureaux. It has been more than 14 days and no responds

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 2022-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: MN

Complaint narrative:
I CALLED TO SET UP OR ASK FOR PAYMENT ARRANGEMENT WAS TOLD THAT I BROKE PROMISE TO PAY XX/XX/29. I WAS NOT AWARE OF THAT BECAUSE THEY SENT AN EMAIL TO MY OLD WORK EMAIL ADDRESS THAT STATED THAT I WAS NO LONGER THERE. THEY HAVE TRIED CALLING MY CELL PHONE BEFORE BUT NO CALLS CAME THROUGH AND I HAVE TOLD THEM THIS BEFORE. THEY CALLED MY HOME NUMBER BUT I DID NOT USE THAT PHONE FOR ANYTHING OTHER THAN WORK..I DID TRY ANOTHER OPTION IN THE BEGINNING TO SEE IF I COULD USE ANOTHER COMPANY TO PAY THE MORTGAGE PAYMENT UNFORNUTELY THE COMPANY DOES NOT PAY THOSE TYPES OF BILLS SO I LET THEM KNOW THIS. I HAVE EXPLAINED I HAVE BEEN HELPING OUT FAMILY AND HAVE MOUNTING MEDICAL BILLS. THEY SAID THAT THEY ARE NOT WILLING TO WORK WITH ME. THEY HOWEVER DID CALL XXXX  AND SPOKE WITH XXXX MANAGEMENT WHOM INFORMED THAT I WOULD BE GETTING SOME FUNDS TO PAY RENT AND THEY WANTED THOSE FUNDS. BOTH PARTIES ARE IN THE WRONG FOR SPEAK WITH EACH OTHER ABOUT MY FINANCIAL SITUATION. I WOULD LIKE A WORK OUT OPTION OR REFINANCE TO A LOWER PAYMENT. AT THE TIME I GOT THE MORTGAGE I HAD NO DEBT AND EVERYONE WAS HEALHTLY SITUATION HAS CHANGED SINCE ORIGINAL TIME AND NOW I HAVE AN OVERWHELMING AMOUNT OF DEBT. I NEED TO HAVE A WORKOUT OPTION OFFERED EVEN IF IT WAS OVER THREE MONTHS FOR THREE MONTHS I COULD MAKE LARGER PAYMENTS NOW THAT I AM GETTING BACK ON MY FEET. ALSO THAT YEAR I GOT THE MORTGAGE I WENT FROM EARNING {$100000.00} TO NOW {$65000.00} HUGE DECREASE THAT THEY ARE NOT WILLING TO RECONGIZE EITHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-25 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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-25 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation