vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX is reporting a debt on my credit report although notices were sent stating that the debt should not be in collections yet. I was sent four separate debt notices by the company XXXX XXXX and their affiliates. 
The first notice received was on XX/XX/XXXX from a company called XXXX XXXX. A debt validation letter was sent to XXXX XXXX on XX/XX/XXXX, but no response was received from XXXX XXXX. 
The second & third notices were received on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX sent both of these notices. The notices stating that a debt was due by XX/XX/XXXX, but mentioned nothing about a debt collection being reported on my credit. The debt notice was answered on XX/XX/XXXX. A debt validation letter was sent to the company but no response was received from the company. 
The forth notice was received on XX/XX/XXXX from a company named Convergent outsourcing, Inc. Once again this letter showed a debt balance but explicitly states that this debt will not be reported if written notice is sent to XXXX XXXX XX/XX/XXXX. A debt validation letter was also sent to Convergent on XX/XX/XXXX. 
I currently have a debt collection on my credit showing that the company XXXX XXXX closed an account that they say I owe. The closing date is XX/XX/XXXX. How is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the debt can still be paid until XXXX XXXX XXXX? Also how is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the information will not be reported on my credit unless I do not respond to them by XX/XX/XXXX? The notices were answered by the consumer on time and the debts were addressed/ attempted to be resolved. XXXX XXXX still decided to report negative information on my credit even though contact was made to try to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CFPB responded to me that XXXX XXXX account ( Deleted ) that still listed on my credit report with inaccurate reporting My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - Open account inaccurate data - XXXX XXXX  # XXXX Show account balance on a closed write off account inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no knowledge of this debt ( XXXX XXXX XXXX ) XXXX I have no of this debt ( XXXX XXXX XXXX & XXXX My identity was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector Amsher Collection Service, The Original debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: CL Holdings LLC
State: FL

Complaint narrative:
These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector Amsher Collection Service, The XXXX debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
CFPB responded to me that XXXX XXXX account ( Deleted ) that still listed on my credit report with inaccurate reporting My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - Open account inaccurate data - XXXX XXXX  # XXXX Show account balance on a closed write off account inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 an 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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have had several issues for months. For some reason other than non-payment the account was closed and I was never informed. Barclays has a policy that once the account is closed you do not continue to have online access. I had always made automatic payments and was able to review my account statements on line. There was a period in which I was never notified and did not and still do not receive paper statements. 

On XX/XX/23 spoke to row different operators OP XXXX XXXX on a recorded call XXXX XXXXXXXX then transferred to the manager who would not identify herself with operator number name XXXX on recorded call XXXX XXXXXXXX. 

Through this discussion they acknowledged that I had no access to my online account they had stopped sending statements. Because the stamens stated the options to pay was through their online account, send a check and or use their IDR system. 

Apparently I do to use to receive emails saying to go paperless and sign up for the online access but company policy does not allow closed accounts to have online access. Every month I have to call to make a payment and I have had several issues even accomplishing this. I have to go through 3-4 transfer to different operators and then end up having to speak to an account manager specialist. Its exhausting having to repeat and repeat same identifying information to each operator. Besides being obnoxious and repeating myself with the same information to each. 

I can not set up a recurring payment, I can not have an online access to make payments. Every time when and if I get a statement the options to pay are not valid. Statement says online payments, over the phone and via check. I have always paid thru online system and now they are requiring me to change after 7 years with this account. 

I have been reported to the credit bureaus for delinquent payments and their system is set up so that they came excuse themselves saying their is a system update when payments are due to force a late payment fee. 

I just want my online access to review what they are charging me and make my payment online like I always have and not have to go through leaps and bounds to make a simple online payment. 

They are making it so difficult for the consumer just to make a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WEALTHFRONT CORPORATION
State: NY

Complaint narrative:
I am attempting to assist a Client in opening a " cash '' account. Not sure if it considered a savings account or not. 

Wealthfront has made the process extremely difficult. We are unable to finish the process online nor on the phone app. They can't get documents uploaded. They can't verify the ID, which has been submitted multiple times and they don't have record of it. I am concerned because this is money for a minor and the custodian, who is my client, is trusting this new online app and they can't seem to keep proper records. 

I am not sure if there is a resolution other than allowing folks to finish the application on the website rather than the app to make it easier for certain people. Or to avoid the automated system that verifies ids and use a real person instead. 

We tried to use the app and the system still can not read the images nor does it have record of uploads. They have locked it and forced us again to wait for customer service, who has, in the past, been unable to assist with this problem because they don't have the tools to do it. 

We have attempting to open this account since Winter of XXXX and have more trouble than any other financial institution I have worked with. Which is numerous, both big and small. 

Furthermore, the client has listed me with Wealthfront as a " trusted contact '' for this cash account and the robo investor account and I have a legal power of attorney for activity and Wealthfront is refusing to communicate with me, which in turn is making my client more frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: MA

Complaint narrative:
In accordance with the Fair credit Reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belielve that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair credit Reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belielve that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please review attachment below. This company have been harassing me about debt that i don't owe as well as i do not know how they received my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed one collection account " XXXX XXXX XXXX, on my TransUnion credit report that does not belong to me : XXXX XXXX XXXX ... XXXX ... XX/XX/2023. 

I DO NOT OWN THIS ACCOUNT OR DO I KNOW OF THIS ACCOUNT. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had been through a scam and filed multiple claims as there were multiple transactions and as of right now two of them have been rejected as they have gathered evidence that it was not a scam. I was lied to about receiving tutoring and a software which then led to extortion. These scammers also lied about being in the country. The officer I am dealing with confirmed to me that they are using fake phone numbers to contact me. I have the surgeries involves as well. The two that have been rejected are for {$450.00} and {$360.00}. I am XXXX and I was scammed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX ( Original Creditor : AAA ) Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT ED/XXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX ( Original Creditor : AAA ) Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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