vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: MA

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 2023-07-18 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:
I have attempted to resolve this matter with these credit reporting agencies for the past 4 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
I have attempted to resolve this matter with these credit reporting agencies for the past 4 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.

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 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service
State: NJ

Complaint narrative:
I received a call on XX/XX/XXXX from XXXX at Southwest Mediation services. The phone number was XXXX. XXXX left a message saying that I was " directly involved in a potential civil action. '' I returned the call. XXXX told me, " I am not a debt collector, I am a mediator. '' She explained that she represented a firm called XXXX, from which I had allegedly obtained a 5 year subscription to a number of magazines. She told me that these magazines were delivered to me at XXXX XXXX XXXX XXXX ( I presume in XXXX XXXX, because this address is near where I now live ). In subsequent communication via the XXXX XXXX XXXX complaint system ( I received a reply on XX/XX/XXXX after filing a complaint on the XXXX ) the company says I did this " while employed at XXXX XXXX XXXXXXXX XXXX XXXX In the original call, XXXX said that I stopped paying this subscription at some point before XXXX, at which time it was taken to collections. She said that XXXX was now going to sue me for {$4100.00}, and that she needed to " decide how she would rule on this. '' She wanted me to settle the alleged debt for a smaller amount, and she was prepared to take payment directly. 

I have never subscribed to these magazines, have never lived or worked at that address, and did not even live in New Jersey at the time this " contract '' was allegedly executed. No collections have ever appeared on my credit report. The caller spoke as if they were an officer of the court, and attempted to strong arm me into paying. They said I would be sued if I didn't pay. And even if the subscription defaulted in XXXX ( which I adamantly deny ), the statute of limitations for collection has run out anyway. And we won't even start on how to get {$4100.00} out of a default on a magazine subscription. 

This firm is probably just committing a fraud, but are at best a debt collector masquerading as some kind of court-authorized official. They are not a mediator. For mediation to occur, both parties must voluntarily enter into mediation. I have not done that. A mediator hears both sides, and uses that information to render a fair decision. They provide only one side of the case, and do not listen to the other side at all. A mediator would listen to one party saying that they have evidence that the claim of the other party is false. Instead, they lean on one party at the behest of the other. And, they want that party to pay them directly, to make the case go away. A mediator would not do this. So they are a debt collector. Even the language they use in response to my complaint and throughout on the XXXX site ( We will send this account back as refusal to pay ) is the language of a debt collector. 

But far from collecting a legitimate contract debt, I believe this firm is simply perpetuating a fraud, which judging from the depth and breadth of complaints against them on the XXXX side, is widespread.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: NY

Complaint narrative:
I did not initiate these Accounts 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 non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase Bank has declared my checking account dormant. There has been no communication from the bank ( mail, electronic communication, or phone call ), notifying me of the impending dormancy designation. If I hadn't recently been checking my credit card statement and noticed my checking account did not appear under my accounts section, I would have never been the wiser. I called the customer service line, who informed me of the dormancy status, but could not find any communication from Chase in their system for the dormancy notification. Now I have to go to a physical location to get the situation rectified as there is no easy way to activate the account online. 

Chase Bank has a responsibility to notify those that bank with them of issues like this that may arise and their total lack of effort on such a serious matter ( my funds, thousands of dollars, could be handed over to the State if the dormancy status lasted long enough ) and I would have been none the wiser ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The payment was missed for XX/XX/ and the company charged a total of {$41.00} for the late fee on XX/XX/ which is also the due date for my minimum payment. There was also an interest charge of {$59.00} on XXXX XXXX XXXX and the monthly minimum payment was between $ XXXX {$80.00}. Both payments of {$59.00} and {$41.00} were understood and that was not the problem. The company Macy 's now claims that I must pay {$200.00}. XXXX and this is a result of the minimum payment for XXXX added to the minimum for XXXX and a percentage of the late fee as well as the interest fee. BOTH representatives I spoke to as I clearly stated for them to hear me ask " So basically I am paying my late fee again " They replied " YES ''. My question is why is Macy 's charging me another late fee for the month of XXXX embedded or camouflaged in my regular monthly minimum payment is this not illegal? There is nothing in their disclosures that state this is how they do business it clearly states {$41.00} dollars and nothing more.

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 2023-07-18 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
You have been furnishing inaccurate information to my consumer report and un multiple occasions you have certified that the information been reported is a accurate and failed to correct the inaccuracies. I have attached a copy of the information been reported such as payment history and account closure date.

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 2023-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I received a letter in the mail from Westlake portfolio  around XX/XX/2023 stating that I had a balance from the original creditor of {$2900.00}. I forgot about the letter but then I received another letter in the mail on XX/XX/2023 stating the balance is {$3600.00}. I immediately attempted to contact the agency I spoke with a representative who told me his name was XXXX ID XXXX, he was very rude when I asked him why did the balance go up and asking for clarification. He stated to me in a very rude matter Do you want to settle with us or do you want to file a report with FTC I see you have already dome that in the past you just need to settle the account or what. I asked to speak with a supervisor he stated the supervisor was unavailable. I disconnected and called back hoping to get another representative who can answer my questions I got a representative name XXXX XXXX he refused to give me his ID number. I asked him in regards to the discrepancy he stated that the bal was {$3600.00} the whole time when I Advised him that wasn't the case because I had received a letter earlier this giving another balance. He began to get rude as well and stated do you want to take the settlement or not. I asked for a supervisor he refused to put a supervisor on the phone I asked to be transferred to a supervisor voice-mail he refused that as well and he disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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 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 2023-07-18 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: TX

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 2023-07-18 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XX/XX/18 I call them to find out why keep calling my phone number XXXX  days from different phone number across the country. I was told the computer selection of days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX -- person me and my friends knew in a local gardening group in XXXX on XXXX was hacked and pretended to be selling XXXX XXXX  tickets. This person created a XXXX account that resembled their husbands name and asked to send money and sent fake photoshopped tickets. the hacker then deleted the account and started sending money in XXXX to other accounts that had XXXX friends and looked like were just created. XXXX was the XXXX account name. price was XXXX sent from my bank. I contacted XXXX immediately after sending this because I realized the tickets were photo shopped and a scam and they said they would report it to the fraud. However, they said that now I have a debt of {$750.00} that I owe and that they can't do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was randomly called by the phone number XXXX. When they called, it came up as a unknown number, the girl name XXXX, who left a voicemail is the one that left that phone number and said it was urgent and to call back. Upon calling back, they had information that was available online if re-searched like my old addresses, and they claimed to have sent me multiple things in the mail about money owed from a loan I took out in XXXX. I have never taken out a loan especially not in XXXX  when I was only XXXX my credit has never been good so Ive never been able to take out a loan. Nor has there been any documentation sent in the mail about anything owed for a debt from a Wells Fargo bank. When I called back, she confirmed her name is XXXX and the phone number life was XXXX. She said she was with XXXX associates. She said she would give me a XXXX hour legal hold before it is escalated and they would sue me and take me to court. When calling back to get more information on the actual company shes calling from she answered and kept me on hold indefinitely, and that proved to me it was fake. upon checking my email and all old mail that Ive been sent within the last month. Nothing matched and its confirmed that this was a scam.

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 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a rental property located on XXXX XXXX in XXXX. Chase holds the mortgage on that property. Each month, the management company deposits funds for the mortgage payment into my personal account and then Chase automatically debits my account for the monthly payment. 

Yesterday ( XX/XX/XXXX ), Chase notified me that this personal account was overdrawn. This was because there were insufficient funds to cover the mortgage payment. 

However, the cause of the overdrawn account was because CHASE FAILED TO CREDIT THE PAYMENT MY MANAGEMENT COMPANY MADE to my account before the automatic withdrawal occurred. 

On XX/XX/XXXX, my management payment issued check number XXXX into my personal account. Chase had XXXX days to post the payment to my account before the automatic payment occurred, but they failed to do so. That check has STILL not cleared the bank as of today. The management company then went to the time and expense to reissue the check via wire transfer on the same day we became aware of the overdrawn account. 

Coincidentally, I recently made a different complaint to the COFB about the same problem- ie Chase regularly not posting payments made by a different management company of ours in relation to a different property. THIS PROBLEM APPEARS TO BE A SYSTEMATIC ISSUE WITHIN CHASE BANK AND NEEDS INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Excessive Credit inquiries on my account that I did not give permission for. 
XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXXXXXX + Bank  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation