vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1999 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CONVERGENT OUTSOURCING {$440.00} Your company have violated FCRA XXXX ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING {$440.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1999 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have attempted more than 5 times to have Chase and XXXX update my credit report to reflect a status of closed along with the closing date. 

Each time, Chase and XXXX are blaming the other and my credit report is not reporting accurately which is negatively impacting my ability to secure credit and negatively impacting my family and creating hardships. 

I recently contacted Chase in Late XX/XX/2022 and the executive office said they would check/follow up with me again in a couple weeks to ensure my credit file has updated correctly. As of XX/XX/2022, no one from ChaseXXXX executive office has called me back. I called Chase again on XX/XX/2022 and left them a message an d I was told my account manager/representative named XXXX would call me back but she still has not called me back to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I have complained about the amount of calls from Bridgecrest on a daily basis. They have called me 7 times a day for the past 2 weeks. It seems that my only choices with Bridgecrest are no contact or 7 calls in a day. This is EXCESSIVE. I do not understand how they are allowed to harass customers daily and multiple times a day. I agreed to allow communication with them but did NOT AGREE to harassment! I know I am late on my payment but that does NOT give them the right to call 7 times a day. Thankfully I have a spam blocker on my phone but I want the CFPB to stop them from harassing me. If they do it to me, they are doing this to others. Professional companies do not harass their customers, I dont care how late my payments are. They have no right to do this. I approve them calling me ONCE A DAY NOT 7 TIMES A DAY. Please hold Bridgecrest accountable for this harass of customers. Please look into who else they do this to. IT IS NOT ACCEPTABLE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX L XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NJ

Complaint narrative:
N accordance with the fair credit reporting act XXXX account # XXXX / XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Kia Motor Finance is showing I have a {$10.00} current open balance for my Kia account. However, Kia is not reporting properly on a monthly basis to XXXX. What they are reporting is a zero balance and closed account. T I've submitted disputes to all three credit agencies and thru Consumer Finance Protection Bureau and asked for an open balance letter from Kia showing what is owed. Kia finally sent me the letter. 

I've spoken to 4 different Kia Motor Finance supervisors over the phone and no one could help me. I went to the Kia dealership to explain the situation to the account manager. They immediately called Kia Motor Finance- they could not rectify the problem. As of today XX/XX/22 XXXX and XXXX still show that my Kia account is closed. XXXX is finally showing the proper information that says " in good standing ''. 

This is severely hurting my credit score and causing a higher apr interest rate for the mortgage that I am supposed to close on next Wednesday, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX L XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i would just like to complain about how XXXX  the credit score system is that when you finish paying off a loan even without ever missing a payment your credit score drops instead of going up i finished paying off my installment loan from XXXX XXXX and my score dropped by XXXX points an 8 month loan reported on my credit report on experian today XX/XX/2022 2022

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 2022-04-15 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: TX

Complaint narrative:
In Accordance with The Fair Credit Reporting Act XXXX Accounts XXXX has violated my rigths. 

1. XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX  Acct # XXXX 4. XXXX XXXX XXXX XXXX Acct # XXXX 5. XXXX XXXXXXXX Acct # XXXX 6. XXXX XXXXXXXX Acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # XXXX 10. XXXX  Acct # XXXX 11. XXXX XXXX Acct # XXXX 12. XXXX XXXX XXXX Acct # XXXX 13. XXXX XXXX XXXX Acct # XXXX 14. XXXX Acct # XXXX 15. XXXX Acct # 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.

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 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attempted more than 5 times to have XXXX and Equifax update my credit report to reflect a status of closed along with the closing date. 

Each time, XXXX and Equifax are blaming the other and my credit report is not reporting accurately which is negatively impacting my ability to secure credit and negatively impacting my family and creating hardships. 

I recently contacted XXXX in Late XX/XX/2022 and the executive office said they would check/follow up with me again in a couple weeks to ensure my credit file has updated correctly. As of XX/XX/2022, no one from XXXX executive office has called me back. I called XXXX again on XX/XX/2022 and left them a message an d I was told my account manager/representative named XXXX would call me back but she still has not called me back to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Text XXXX From Fifth Third Bank : We have placed temporal hold on your account. Proper verification needed below. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is a continuation of XXXX. 

Yet again, I get an email saying there has been activity and I should log on to the account. They still haven't made it so I can log on. The customer service I called says they can't help 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 explanation
Consumer complaint received 2022-04-15 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX  - XXXX Account # XXXX, 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 2022-04-15 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX  - XXXX Account # XXXX, 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 2022-04-15 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:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} XXXX, XXXX M SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation