vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I have notice in accurate items on my credit profile. These are results from identity theft. My Car was stolen back in XXXX and ever since getting my whole life back in order has how its been. TransUnion didnt submit any documents providing proof I Signed any type documents if agreement to any loan. Therefore all these accounts associated with the name of US Dept Of US is unauthorized and not veritable. These accounts had a date of XXXX XXXX with the balance of XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. Another one XXXX XXXX balance XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. The last ones on XXXX XXXX balance XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. These are not mine accounts and I dont have any other solution at this point, I am NOT working with a third party organization. I have enclosed several documents verifying my identity and some facts from the fair credit reporting act for the blocking off all inaccurate items. 

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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 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: FL

Complaint narrative:
I have mailed in dispute letters 3 different times dated XXXX and all 3 major credit bureaus have not responded to my request. By law they should have mailed me my investigation reports within 30-45 days of receipt.

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 2021-08-13 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: FL

Complaint narrative:
I have mailed in dispute letters 3 different times dated XXXX and all 3 major credit bureaus have not responded to my request. By law they should have mailed me my investigation reports within 30-45 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this LEWIS MCDONNELL & ASSO was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I initiated a dispute with Transunion because they inaccurately reported a balances on 2 of my capital one accounts. The balance on 1 account was - {$220.00} ( credit balance ) and TransUnion and XXXX reported the balance of {$590.00} with a {$800.00} credit limit. On the second account transunion reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ XXXX XXXX that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint. 

I am not sure of who is responsible for this error but I have been contacting XXXX XXXX and dealing with credit balances and payment inaccuracies since XX/XX/2021 with XXXX XXXX. I pay my balances every month. I am tired of being XXXX  by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing it.

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 2021-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I am writing to dispute the following information that kohls has reported wrong kohls shows that they closed a old account that shows up twice on my report with different amount and dates. i have contacted the company and tried to resolve and they told me i would have to contact the credit bureaus which i did and was told i have to contact the collection company and I did to be told i have to have kohls sent the collections a letter. i have been going back and fourth with this for a very long time. 
I have sent letter to kohls and no one has got back to me. 
this is ruind my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and I XXXX XXXX. I was financially impacted by covid-19 and received a targeted EIDL advance. My account was frozen and Ive been advised that they will not release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I opened an account with Chase online in XXXX because they stated they would accept third party checks. I had two third party checks, amongst the five checks I deposited in person at one of their branches in XXXX. Two of the checks were for ( i ) a defective camper we returned to the RV company-the check is from an RV business and ( ii ) a check from an insurance company-we cancelled the insurance on the camper after we returned it. Chase deposited the checks, said they may need to contact my son-in-law to whom the checks were written and Chase has since verified the funds, but Chase refuses to give me any information or unfreeze the account. I have made multiple calls to the branch, which at one point told me they closed the account ( offered no reason as to why ) and mailed a check to me. When the check did not arrive, I contacted the local branch, which referred me to their corporate headquarters and when I contact their corporate headquarters they pass me off from one person to another. When I called to speak with a corporate officer, they transferred me to a phone line that states I must call back or send my inquiry by email, which then disconnects the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I can't believe this credit reporting agency has taken advantage of me. I AM VERY UPSET that they have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted ASAP. This company has negatively affected me, and this is unacceptable to me as the consumer. 

These are the items I have been demanding to be deleted! 

15 U.S code 1681n Infamis of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXXXXXX Account Number : XXXX misleading false reporting unverifiable and inaccurate reporting. Date last activiy is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Collection Agency, Ltd.
State: CO

Complaint narrative:
On XX/XX/2019, I rescued a cat and was billed by XXXX highlands ranch in the amount of about XXXX dollars ( I do not have the bill, but was sent this by continental collections agency ). I then made payments of XXXX dollars on XXXX XXXX, and XX/XX/2019 on my credit card. I paid another XXXX dollars in cash on XX/XX/2019. This should have left my balance around XXXX dollars. 
Fast forward to a year later, I was not made aware of this balance and was sent to continental collections by XXXX, and was being charged over XXXX dollars. I do not believe this is a fair debt based on the original amount owed, much less payments which were made by myself toward this debt. I dont believe I have paid this completely, but i do believe my dent owed to the original debtor was less than XXXX dollars This balance has since grown to almost XXXX dollars, and I simply can not pay this. This makes me stressed every day, and I would like to simply pay them XXXX dollars, or nothing, and have them remove this error from my otherwise great credit file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Your company is reporting the accounts on my credit report as a collection account. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state.5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Noti
ce has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: NC

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Conn's, Inc.
State: NV

Complaint narrative:
CONS HOME PLUS IS THREATING TO TAKE LEGAL ACTION AGAINST ME FOR ACOUNT # XXXX. MY MONEY IS FROM SSDI WHICH IS FEDERALLY PROTECTED BY LAW. I WISH THEY WOULD NOT BOTHER MY ANY FURTHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Solutions
State: NC

Complaint narrative:
I get around 4 calls from these people each day. The person on the other end is surly and abusive.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I took a loan out with Affirm on XX/XX/2021. It was for merchandise from XXXX. The item was supposedly delivered but was mailed to someone else. I opened a dispute with Affirm so we could go after XXXX for the refund. I was supposed to be contacted by Affirm and never was. 

I got the issue resolved on my own and the money was refunded back to Affirm on XX/XX/2021. Affirm refuses to take the dispute status off and therefore the customer service team can not apply the refund and pay off the loan. I have called 9 times since XXXX to get this resolved. Customer service keeps telling me they have escalated the issue yet no one calls back. I have also emailed multiple times and never received a response. This needs pulled off of my credit report and resolved immediately as I owe them nothing on this loan.

Company response to consumer: Closed with explanation