vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The DeGrasse Law Firm, P.C.
State: TX

Complaint narrative:
I received a letter from an Attorney on behalf of XXXX XXXX. That is clearly a violation of 15 USC 1692e ( 3 ).

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

This is just going to far and XXXX XXXX is becoming a nuisance. I will be filing for default judgement soon as I have all the evidence. Also XXXX XXXX statedbthey would have XXXX attempt to help collect the debt below. That is also another violation of 15 Usc 1692e ( 14 ) ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

Also XXXX XXXX keeps saying they have validated the debt. All they did was send statements, that is not proper debt validation pursuant to 15 USC 1692g and they never mentioned who the original creditor is which was the consumer.

Pursuant to 15 USC 1611 & 15 USC 1640, XXXX XXXX has civil liabilities and can be held criminally liable. 

XXXX XXXX has now incurred over 20 various violations and now this case is now eligible for district court. Will be in contact with the US AG XXXX 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 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Requested the reporting information be verified and validated to identify the responsible party of this debt. The verification and validation would include identifying information. With accounts such as mobile carriers in order to open an account, the responsible party must be XXXX years old, provide an valid state ID and sign a binding contract. Requested documents did not provide any of that information and the request is being denied and refused. It is important that the requested information is supplied which will accurately prove who is responsible for this account. 

If either party does not want to furnish this information than the reported information must be removed and deleted. 

XXXX supplied a phone bill cycle with different account numbers which does not validate nor verify who this account belongs too. This is not an original signed and dated agreement or contract with the signature of XXXX XXXX and does not contain a valid ID, required to obtain this kind of account. 

All of this is very important because XXXX would have been XXXX years old according to some of the dates already provided in these responses. 

XXXX XXXX & Convergent Outsourcing

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 2021-09-16 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: NY

Complaint narrative:
I have called Equifax numerous times and I was told that these inquiries will be deleted from my credit report. These inquiries are unauthorized and need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
They submitted my credit without my authorization, on XX/XX/2019, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
All consumer reporting agencies are reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, all consumer reporting agencies are reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the 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 explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
All consumer reporting agencies are reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, all consumer reporting agencies are reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I mailed the following context certified mail to Experian on XX/XX/2021... 

I demand Experian to provide me with the names and addresses of original creditors for each account listed below : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX 5 ) XXXX XXXX 6 ) XXXX  XXXX XXXX XXXX XXXXXXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX 9 ) XXXX XXXX XXXX XXXX XXXX If the names and addresses of original creditors for each account listed above can not be provided, PROMPTLY DELETE all items and all tradelines from my consumer file/report in accordance to 15 USC 1681i ( a ) ( 5 ). 

In addition, I demand Experian to produce a contract affidavit between myself and Experian showing I granted Experian permission/lawful authority to furnish items listed above on my consumer report in accordance to federal code 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

If a contract between myself and Experian can not be produced, PROMPTLY DELETE all items listed above and all tradelines from my consumer file/report in accordance to 15 USC 1681i ( a ) ( 5 ) Statements Made under Penalty of Perjury Must be answered By Counter-affidavit with Affiant having Personal knowledge of the Facts therein with Documentary Evidence

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 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: AR

Complaint narrative:
I received a statement of {$25.00} from a collection company named XXXX billed by XXXX XXXX XXXX. I am only XXXX years old & have never had any bills from this company under my name or social security. I called the company XXXX and they tried to verify my mailing address & asked me if I lived in a different mailing address which I have not so they advised if I had not applied for this company that my identity had most likely been stolen and had to file this dispute.

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 2021-09-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
They submitted my credit without my authorization, on XX/XX/2019, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
3RD CFPD COMPLAINT ON CHIME Chime Managers have assured me on a recorded line that although they are aware that the company ( chime ) is treating me unfairly and unlawfully by refusing to reinstate unauthorized money transferred and charged against the account, there is nothing I can do about it. I was ironically and thankfully transferred back to the same Disputes Manager, who said himself on a recorded line, that he was absolutely shocked beyond belief that my claims continue to be denied based on the amount of firm substantial evidence I have and continue to add. I am able to prove with continuous recording of our conversations between Chime Member Services and Disputes team, that they continue to lie to me about handling why account and claims. I AM THANKFUL TO GOD  FOR THESE RECORDINGS!!!!!!! Otherwise the 8 page and growing detailed journal I have showing Chime to have manipulate and misrepresent my account and investigative reports would have you believing to me making all of this up. Based on my dealings and occurrences and stories found on the internet, there is something fishy certainly going on! So fishy that I believe when its finally revealed its going to be one of the biggest banking embezzlement or fraud cases the world has ever seen! There is something extremely odd, peculiar, and fraudulent about Chime, and if the CFPB won't get to the bottom of it, you can trust I am! To perspective customers of Chime DO NOT JOIN!!!! NO BANK BACKS THEM, XXXX  XXXX XXXX  DOES NOT CLAIM TIES TO THEM... THEY ARENT EVEN A BANK THEY ARE A TECHNOLOGICAL COMPANY DECEIVING PEOPLE TO THINK THEY ARE A BANK. THEY TRIED ONCE TO BE CERTIFIED AND WAS DENIED! WHEN I FIND SPECIFICS AS TO WHY I WILL BE SURE TO POST UPDATES, THIS HAS NOW BECOME MY PASSION TO EXPOSE CHIME FOR THE FRAUDULENT THIEVES THEY ARE. THEY ARE SIMPLY NOTHING BUT ANOTHER XXXX XXXX! I CAN SAY YOU COULD AT LEAST GIVE A KUDDO FOR YOU TO BE ABLE TO ACTUALLY SPEAK TO SOMENE AT CHIME VS XXXX XXXX, BUT ALL IN ALL SPEAKING TO A CHIME EMPLOYEE IS WITHOUT EXAGGERATION THE EQUIVALENT OF SPEAKING TO NOBODY AT ALL! LET IT BE NOTED THAT I HAVE PROOF OF CHIME MANIPULATING FEDERAL INFORMATION AND FUNDS AND CONSISTENTLY BREECHES CONTRACTUAL AGREEMENTS MADE TO THIER CUSTOMERS! IF A HIGH POWERED ATTORNEY, OR ANY ATTORNEY FOR THAT MATTER WOULD LIKE TO ASSIST ME IN LAUNCHING A CLASS ACTION LAWSUIT AGAINST CHIME PLEASE CONTACT ME, AND OR PROVIDE YOUR CONTACT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: PA

Complaint narrative:
I disputed items that are listed on my credit report XX/XX/2021. I have not heard a response in the 30 day time frame. 
I would like the items listed on attached removed from my credit file.

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 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted transunion numerous times and been told many times that these unauthorized inquiries would be deleted. I demand them to be deleted immediately. Transunion told me they would delete the inquiries but it is still reporting on my credit report. Please delete inquiries immediately as they are unauthorized.

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
Hire right conducted a background check for XXXX, hire rights background check is not including the date of arrest that is the disposition date more than 7 years, please explain why the conviction but no record of rehabitations is being shown need the report to show the adjudicated meaning, the fact that the company makes the final hiring decision and the ftc law that allows this in texas, How is it these records are not confidential, and what business code allows the conduct of a background without violation the privacy act of XXXX How is it hirerights module does not follow the XXXX green factor guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
on or about XX/XX/21 I attempted to purchase XXXX ft of XXXX XXXX  for {$620.00} on line from Lowes. Delivery was supposed to be with in 1 week. After waiting 4 weeks I called Lowes customer on XX/XX/21 and on XX/XX/21. I called Lowes to find out what happened to my order. They told me they did not know what happened to the order. So I told them I wanted a refund. After waiting about 2 weeks later I put in a complaint with Lowes ( Synchrony Bank ) Credit card. They denied my claim stating the order was delivered. I have never received my order. 

On the order slip it said XXXX shipped it Tracking # XXXX. I checked with XXXX, they said they need a 12 character number.

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 monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I made a purchase at XXXX on XX/XX/21 using my XXXX XXXX card for {$180.00} and checked out through XXXX. My Chase Bank account was linked to my XXXX. I never received the merchandise and so I contacted XXXX, investigated and stated the merchant was fraudulent and refunded me for. I then immediately removed my linked Chase checking account from XXXX because i knew my information may have been compromised t that loint. On XX/XX/21 two unauthorized debits from XXXX occurred on my Chase Bank which is the account that was linked through XXXX but I didn't use my Chase account to make this purchase. The first fraudulent charge was for {$17.00} and the second one was for {$16.00}. I called Chase reported the fraudulent activity and they reissued me another card. I even told them about the situation with the fraudulent merchant and asked Chase if my checking account was compromised too. They said no it wasn't and just reissued a new card. On XX/XX/21 I noticed three more unauthorized transactions on my account. The first one for {$15.00} and then second {$14.00} both from XXXX and another {$1600.00} unauthorized payment transaction. The {$1600.00} transaction looks like it was sent to me but it wasn't. The fraudulent merchant gained access to my Chase account from XXXX and stole {$1600.00} from me. I called Chase filed a claim and they took care of the small claims but said the {$1600.00} was authorized and they reversed the {$1600.00} credit after denying my claim. This is fraud and unauthorized and I am beyond frustrated I have been with Chase for over 10 years and they did not protect my account. I feel this unacceptable and unfair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I federally protected consumer XXXX XXXX rights have been violated. For almost two years Ive been battling with XXXX XXXX XXXX XXXX over a debt Ive deny obligations of. XXXX XXXX XXXX XXXX purchased my information from Santander Consumer USA since then XXXX XXXX XXXX XXXX took it amongst themselves to attempt to take me to court which their motion was deny by the judge. For almost two years XXXX XXXX XXXX has caused me emotional distress where I have loss sleep, frequent headaches, anxiety, weight all due to this improper debt. I believe its time this back and fourth and constantly violating my consumer rights from XXXX XXXX XXXX Stop immediately. XXXX XXXX XXXX XXXX have completely ignored both affidavits neither have they rebutted either one as well as my cease and desist letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
I federally protected consumer XXXX XXXX rights have been violated. For almost two years Ive been battling with Jefferson Capital Systems LLC over a debt Ive deny obligations of. Jefferson Capital Systems LLC purchased my information from XXXX XXXX XXXX since then Jefferson Capital Systems LLC took it amongst themselves to attempt to take me to court which their motion was deny by the judge. For almost two years Jefferson Capital Systems has caused me emotional distress where I have loss sleep, frequent headaches, anxiety, weight all due to this improper debt. I believe its time this back and fourth and constantly violating my consumer rights from Jefferson Capital Systems Stop immediately. Jefferson Capital Systems LLC have completely ignored both affidavits neither have they rebutted either one as well as my cease and desist letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For several months now, I've sent multiple letters to Transunion to dispute a fraudulent, unauthorized inquiry that was made on XX/XX/21, by XXXX bank. I've called Transunion several times after I mailed my letters in, but the fraudulent inquiry remains on my credit report. I want this inquiry to be removed immediately, please!

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 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
company called Serve sent an AMEX card with bank account and routing number. I did not request this. This kind of marketing or solicitation presents a risk to consumers. It's deceptive and misleading.I still do not know why I received this. No live human is available to answer. i want the account closed.

I would attach a copy, but it has account info on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I called Experian a few days ago because there was an account that was not mind ( XXXX XXXX XXXX  ). Phone rep advised me to send in a dispute letter included in that letter would be my i.d ss # and utility bill proving my identity and address. I sent them in and called them back and they said they didn't receive the letter. I sent them out certified mail

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