vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I have been trying to work with AmSheer XXXX XXXX for 3 months now. Phone calls where made to AmSheer multiple times to acquire a debt verification letter they would advise me that they where waiting on XXXX XXXX for information after a month and half I called again and spoke to supervisor asking where this verification was? He states you should have submitted a document which the XXXX to 4 times I had called before was never mentioned to me once. I spoke to there supervisor XXXX who was extremely rude and would make remarks that its not his concern that I did not know how to validate debt or would explain to me how to do so. When asking him how to do it he said thats not his job. 

During this time I had reached out to XXXX  who also confirmed I had no debt with them. They ran my social security number thru there system and confirmed I had no debt or any account with them. 

After leaving a review on XXXX XXXX XXXX contacted me in regards to the review and how he can assist again after a month of waiting and persisting for a debt verification letter finally XXXX was provided a month after initially asking. 

After reading the letter which they gave me which I have provided to you. It clearly shows on the statements they provided the debt is not mine. But they are still trying to collect on this debt. 

I called again today and they told me that I did not need to sign anything for XXXX to have my consent to make me responsible for this account. So now they are spreading false information as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
On XX/XX/2023 I used Wise Online Money Transfer to send {$3000.00} USD to XXXX XXXX of XXXX XXXX XXXX. The banking system he used was a US bank through Wise. The money was a deposit for a hockey season for my son to play, however, this man and his brother won't host a hockey season as promised. They are under investigation in the US and XXXX for over {$50000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had two credit cards with the company named XXXX. One was a secured card with a credit limit of XXXX XXXX, and the other one was an unsecured card with a credit limit of XXXXXXXX XXXX. Due to some personal situation, I had to quit my job. While waiting for some funds to be deposited into my bank account within 60 days from my resignation date, I was not able to make my payments on time. But as soon as I received the funds I made full payment on both of the credit cards. One of the XXXX representatives lied to me by saying that my account was still open and that as soon as the payment got reflected on both of my accounts I was going to have my credit available. Later I realized that was not true because both accounts were closed by the company ( XXXX ). The problem I am having is that even though I made my payment in full for both accounts more than 30 days ago the company XXXX is still reporting wrong information to the credit bureau when both of my credit cards have been paid in full and as I said, both credit cards account have been closed by XXXX. This bad reporting is affecting my credit report, my XXXX XXXX has dropped XXXX points because of this bad report from XXXX. My last payment to satisfy the unsecured credit card account in full, payment was made on XX/XX/XXXX for {$12.00}. But previous to this date I made another payment on the unsecured credit card for the amount of {$950.00} on XX/XX/2023. Also on XX/XX/2023, I made a payment of {$190.00} to satisfy the secured card account in full. I do not understand why the XXXX company is continuing to report accounts that have been paid in full by me ( the former account owner ) and closed by the credit card company " XXXX ''. Please help. I have been working so hard to pay all my debts and to improve my credit score for things like this to happen. I made these payments using my XXXX Checking or Saving 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 non-monetary relief
Consumer complaint received 2023-08-10 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: VA

Complaint narrative:
XXXX, account number-XXXX has removed this late payment that is attached to my account and have refunded me my late fee but the credit bureau 's have not updated this account and its hurting my credit worthiness... I also have proof that they have sent in for this account to be removed that i'm attaching to this complaint.

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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Chase is not responsive to my report of fraud on my account. They are telling me the fraud I have reported on my card is not fraud - when it clearly is. 

They are then telling me that I have this long manual process to get the charge cleared from my account. I was told I need to reach out to the vendor who charged the card as fraud, who does not have a customer service number & who charged the card without permission, I expect chase to resolve this issue & not place the onus of fraud onto its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R&R Professional Recovery, Inc.
State: MD

Complaint narrative:
The law sates that no medical bills under {$500.00} can be put on your credit reports please Delete this asap

Company response to consumer: Untimely response
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I disputed n accordance with the Fair Credit Reporting act Account Name : XXXX XXXX Account Number : XXXX Balance : $ {$19000.00} has violated my rights On XXXX XXXX I sent a letter to XXXX  for proof of original agreement. I haven't receive my documentation of proof instead a letter stating the account has been verified but I need to know how the account was verified. Furthermore, they are continuing to defame my character in my credit report. I have attached a printed document of them changing their remark reducing my credit score by XXXX points. This is grounds for removal and if this account continues to come back verified without the proper documentation, I will be forced to take further action. 


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 that a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureaus took more than 30 days to complete my investigation. 

According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than 1,000.

I want 1,000 per violation, or the item immediately removed from my credit report.

Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 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 non-monetary relief
Consumer complaint received 2023-08-10 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: CA

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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-10 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:
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.

has violated my rights. Or list of inquiries 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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: FL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I submitted a previous dispute ( XXXX ) about a debt that appeared on my credit report at XXXX XXXX and the other credit reporting agencies. The debt collector is Pyod, LLC in the amount of {$650.00}. XXXX XXXX stated in their response that I would receive information via US mail about this debt and their actions but I have not received anything from them. I have no idea where this came from and it may be related to another debt collection that arose apparently through identity theft. Idispute this debt and ask that it be removed from my credit report. I have received zero information from the debt collector Pyod LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: MD

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX ( and other dates ) I received a promotional email from Bank of America about a BankAmeriDeal. According to the deal, if I used my Bank of America card to sign up from XXXX XXXX XXXX, I would be rewarded with {$5.00}. 

I signed up for XXXX XXXX XXXX  on or around XX/XX/XXXX ( according to the BoA rep I spoke with later, the transaction posted on XX/XX/XXXX on their end ). Bank of America never provided me with the {$5.00} reward. 

When I called Bank of America on XX/XX/XXXX and XX/XX/XXXX to inquire about this, I was provided with the following explanation : Because the merchant ( XXXX ) coded the transaction as " XXXX XXXX '' rather than " XXXX XXXXXXXX XXXX '' I was not eligible for the promotion. 

I have proof that I signed up for XXXX XXXX XXXX using my BoA credit card, and I offered to provide that proof to BoA. Bank of America said there was no way for them to review that proof and that there was nothing further they could do. 

I believe this was a deceptive practice. If Bank of America meant that I would get {$5.00} for signing up for " XXXX XXXX, '' they should have said that in their promotion. But they said that I would get {$5.00} if I signed up for " XXXX XXXX XXXX. '' I did sign up for XXXX XXXX XXXX, and they refused to give me the {$5.00} bonus. It's unfair for them to not hold up their end of the bargain. Their back-end coding issue, which was never disclosed upfront, should not excuse them for refusing to follow through with their end of the bargain that they advertised.

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 2023-08-10 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: TX

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10 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: MI

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.

This accounts and Inquiries 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 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 2023-08-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Crow Creek Sioux Tribe
State: AL

Complaint narrative:
I received a phone call from XXXX from a man claiming to be XXXX XXXX. He stated he is an attorney and that he visited both mine and my parents addresses looking for me today and provided my full social security number. He then stated I owed money to XXXX XXXX for an outstanding loan and that I was being sued for attempt to defraud a financial institution. He went on to say that I can forgo legal action if I pay {$1300.00} by phone at the time of the call or else, I am due in court tomorrow. He was extremely demanding and hostile. The entire interaction was forceful and abusive in an attempt to collect the funds by phone. I repeatedly asked for the name of the business where he is employed, and he would not provide a business name. I later called back from a blocked number and was able to obtain a business name of XXXX XXXX  XXXX. He proceeded to then call my mom with the same hostile, aggressive tone stating he was trying to reach me in regard to " my case '' and that he would be showing up to both of our houses and places of employment tomorrow. 

After the call, I contacted the originating lender. I was advised that I do have an outstanding loan but that their company does not contact customers by phone. They advised that my account has been transferred to a third-party company, XXXX XXXX. Neither XXXX XXXX XXXX nor XXXX XXXX have any affiliation with XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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