vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: AL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX I spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have two negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit that was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now I'm XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
My identity was stolen in XXXX, someone filed my taxes and received the refund. When I realized this had happened I immediately went to the IRS to see what I could do to resolve the situation after XXXX XXXX  XXXX XXXX gave me the run around because they initially didnt believe me when I said I havent filed taxes yet for that year. The assistant at the IRS office only gave me info to send in affidavits to resolve this issue. I havent been able to file taxes within the last few years due to not receiving a pin to file them, fear, and lack of knowledge. Now, I have been doing more research, calling the companies, and wanting to check my credit scores to start my life and theres plenty of credit reports from hospitals and credit cards that Ive not been aware of. These are the accounts that are on my report. 

XXXX XXXX XXXX  for {$790.00} XX/XX/XXXX XXXX XXXX XXXX  {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX  XXXX  {$380.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX  {$310.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  {$220.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
Loan was applied for in my name, but it was not me ( fraudulent loan application ). Loan company was Power Finance Texas ( XXXX / XXXX ). I contacted the company, and asked that the loan not be funded and that my account be closed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2021 at XXXX, XXXX XXXX XXXX a representative of XXXX XXXX XXXX spoke to my husband about my supposed debt. He served him with papers from XXXX XXXX XXXX. Additionally, all of the information is inaccurate. My name is incorrect, as is my husbands name and age that XXXX took down that day.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hey I ask this company to remove bankruptcy more than once they keep Verfied I wan na know out they lieing to me because I dont have bankruptcy

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 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
2 fraudulent accounts were opened under my name at BB & T Bank in XXXX. 2021 ... I called them & told them that it was not me and to close the accounts...... i have been told on many occasions that they will do it ... ... 10 months later & still getting statements... ..2 months ago they opened a business account...... now they opened a savings account and that they will now be called TRUIST bank ... ... it is almost impossible to talk to a live person ... ... ... .this am i was on hold for 1.5 hours

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 2021-10-18 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They keep verifying bankruptcy I asked them to remove it more than once who are they Verfied with because its no way it should be reporting it does not belong to 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 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
During the week of XXXX XXXX. A creditor by the name of Credence management called me from many different numbers stating that I had a collection with XXXX XXXX XXXX. However after looking over my credit reports which showed no collection and contacting at & t I was told Im not in the system. I contacted XXXX XXXX XXXX fraud prevention and told they sound like scammers. The company also was not able to give me any type of account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Hello, I had used XXXX phone number between XXXX and XX/XX/XXXX. I was valuable customer and paid all the bills on time. Before cancelling the service, i contacted with one of the representatives and requested to cancel my service and made sure everything was fine at that time. Then after cancelling my service, until now i have received bills to pay and now even collection company named XXXX XXXX XXXX has still been calling me to pay for the service of XX/XX/XXXX. At that time i had already cancelled my service with the company and did not even use one day of service. I tried to explain that i had already cancelled when the collection company called me but they just told me to pay money for the service I did not get. I tried to contact with XXXX company to figure out whats going on and they asked me to pay different amount of money for different duration of billing period than collection company. Therefore, I can verify that I am still receiving bills from XXXX company even though I stopped service over a year ago. This XXXX company gave my information to another debt collection company besides this one too. I have email from that company. 

Please help me figure out what is happening. 

Thank you so much for your time and consideration

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 2021-10-18 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a consumer pursuant to 15 U.S.C 1681 ( c ), you are a debt collector pursuant to 15 USC 1692a ( 6 ) and you are a creditor pursuant to 15 U.S.C 1692a ( 4 ). To my understanding all credit reporting agencies get their information from the same company sourced as the original creditor. The inaccuracies being reported are detrimental to my credit capacity, credit worthiness, and credit standing. It seems Capital One is reporting an alleged late payment to credit reporting agencies however, pursuant to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am being violated pursuant to TILA. I noticed when looking at my consumer files I have 3 late payments reported. The inaccuracies of this information is substantially harmful thus needs to be removed now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is a formal complaint against Portfolio Recovery XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: OH

Complaint narrative:
I have a person that I was sending fund for them in the XXXX. Both remit companies stop sending my funds without telling me why. This young woman is enrolled in college and need funds by the first of XXXX to continue. I gave them both her name and college so they could check. It was about two months ago that I sent by Remitly and XXXX after Remitly refused to continue to send my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
My identity was stolen in XXXX, someone filed my taxes and received the refund. When I realized this had happened I immediately went to the IRS to see what I could do to resolve the situation after XXXX XXXX XXXX XXXX gave me the run around because they initially didnt believe me when I said I havent filed taxes yet for that year. The assistant at the office only gave me info to send in affidavits to resolve this issue. I havent been able to file taxes within the last few years due to not receiving a pin to file them, fear, and lack of knowledge. Now, I have been doing more research, calling the companies, and wanting to check my credit scores to start my life and theres plenty of credit reports from hospitals and credit cards that Ive not been aware of. These are the accounts that are on my report. 

XXXX XXXX XXXX for {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX  {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX  {$310.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX ATTENTINO DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CONVERGENT OUTSOURCING 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 CONVERGENT OUTSOURCING 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 Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My rights have been violated! On XX/XX/21 I applied for an American Express Gold Card and was subsequently denied. None of their reasons for my denial supersede Federal Law, as I was exercising my right according to 12 CFR 1002.1 ( b ) and 15 USC 1691 ( a ) ( 3 ). They took my application which became a negotiable instrument, due to the authentication feature of my social security number, and never returned it. My belief is that they have sold and transferred my negotiable instrument without my authorization. This is unfair and inequitable to me as the natural person and consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX XXXX 2021, there was a withdrawal from our account at a branch for XXXX XXXX This was not my wife or I, so obviously we were very concerned. I submitted a fraud complaint to the bank, Capital one, the day I found out, which I think was around the XXXX of XXXX. 

New accounts were set up, and we were told to wait for a refund after and investigation. 

Last Wednesday, XX/XX/XXXX, I called to check on the status, and gave additional information. 

Since then I haven't been contacted by capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
RMP, LLC is IMC. LLC they have been hounding me for years. They keep opening new Derogatory marks against my credit. They have 3 accounts that should be closed. I have contacted FCC as well on them like I was told to do 3 months ago and still on my credit and hurting it bad too. Please get them to remove their accounts. How can I protect myself from a company that changes their name and keeps hitting my credit and killing it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This is a formal complaint against Santander Consumer located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander Consumer has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation