vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My social security number and address was used to open various credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: SC

Complaint narrative:
On XX/XX/2022 I requested an investigation into my credit report because their are items that I have no knowledge of. I never received any documentation bearing my signature in relation to these negative accounts. I reached out to the credit bureaus in regards to this matter and they have not conducted a proper investigation. Then I requested them to verify the debt according to the FCRA and again I got ignored these negative items do not belong on my credit report. 
XXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} THESE 2 ACCOUNTS ARE DUPLICATES. 
XXXX XXXXXXXX XXXX  ACCT # XXXX OPENED XXXX BALANCE {$990.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: SC

Complaint narrative:
On XX/XX/2022 I requested an investigation into my credit report because their are items that I have no knowledge of. I never received any documentation bearing my signature in relation to these negative accounts. I reached out to the credit bureaus in regards to this matter and they have not conducted a proper investigation. Then I requested them to verify the debt according to the FCRA and again I got ignored these negative items do not belong on my credit report. 
XXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} XXXX XXXXXXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} THESE 2 ACCOUNTS ARE DUPLICATES. 
XXXX XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$990.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NC

Complaint narrative:
I received an copy of my credit report on XX/XX/2022 in which I noticed negative items that I have been requesting be verified for over 4 months. I have no knowledge of these accounts nor have I received any documentation bearing my signature in relation to them. I have sent multiple disputes to the credit bureaus as well as a FTC compliant in regards to these accounts not being mines. No investigation has taken place and I still see these accounts reporting on my credit report. 
XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX These items are reporting inaccurately as well as showing different amounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Self Financial Inc.
State: IN

Complaint narrative:
I have been the source of an almost constant barrage of marketing, payment reminder and other emails from XXXX XXXX XXXX. I do not own a self card, although they keep reminding me that my payment is due. 

Repeated tickets to their service center with no results and at least fifteen unsubscribe attempts have gone ignored.

I just want them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have asked XXXX  to verify that credit acceptance was my debt. XXXX keep saying this account was verified but never sent any verification to my address. Credit acceptance couldnt verify this debt with XXXX and XXXX so the account was deleted. XXXX is not verifying nothing with original signed documents nor are they even probably investigating these debts. XXXX is horrible. XXXX have all my accounts in a negative stand but on the other toe bureaus they are all in good standing. XXXX is carousing harm to my credit report by falsely keeping these accounts that they can not verify on my credit report. Then they are still reporting it on my credit after it was closed for years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: NY

Complaint narrative:
Someone used a skimmer to get my card information on XX/XX/XXXX at XXXX someone withdrew {$1400.00} dollars from my payroll card I mi went to the police and filled a report the went to the location where the money was taken out from and they have the video surveillance of the person who committed this transaction I call the payroll company who provide the card and they said that they will send me a form for me to sign when the get it back they will start a investigation they said it take 45 to 90 days but on XX/XX/2022 they close my case without them receiving my sign documents now they will not reimburse me the money that was stolen Im need help in this matter I have my police report I have my bank statements and I also have the picture the detectives send me of the person who committed this fraud my contact is XXXX or email XXXX I was told I can file a report with you for help in this matter feel free to contact me if you need all the documents I have included a picture of the person involved in this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found an account on my credit that I didn't open, so I made a police report and sent it to the company AND to the 3 major bureaus, whom by law have only 4 days to remove it. 30-days later, it's still on my credit report and I've received ZERO response from anyone involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NC

Complaint narrative:
I received an copy of my credit report on XX/XX/2022 in which I noticed negative items that I have been requesting be verified for over 4 months. I have no knowledge of these accounts nor have I received any documentation bearing my signature in relation to them. I have sent multiple disputes to the credit bureaus as well as a FTC compliant in regards to these accounts not being mines. No investigation has taken place and I still see these accounts reporting on my credit report. 
XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX These items are reporting inaccurately as well as showing different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Im in the process of buying a house and my credit report for equifax is blank now. I have a credit report service where I can see my report at any time and everything from all three bureaus are visible up until XX/XX/22, at that point equifax goes blank. Ive tried calling them four times already. Theyre telling me what I already know, I have no freezes or anything of that nature on the account. On XX/XX/22 is when I became aware of the problem when all my wife and I needed to get our house was for the mortgage company to pull up my credit, its only happening with me. My wifes credit came up from all three. Yesterday on XX/XX/22 I managed to contact equifax from a different number and the lady tried her best to help me this time, unlike the last three who sounded like I woke them up. I sent my license and answer a bunch of questions about bills and amounts that I have to prove it was me including a picture of my face along with my license. Im getting desperate because I dont want us to lose our house, I know the mortgage company wont wait forever or however long since the houses are going fast. At one point on equifax I got an error code nh and that lasted for about 24 hours and now I can log back into equifax but all of my information is still blank with straight lines and/or XXXX in everything category. This is as best I can describe it, thank you for any and all I can you all can provide for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found an account on my credit that I didn't open, so I made a police report and sent it to the company AND to the 3 major bureaus, whom by law have only 4 days to remove it. 30-days later, it's still on my credit report and I've received ZERO response from anyone involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found an account on my credit that I didn't open, so I made a police report and sent it to the company AND to the XXXX major bureaus, whom by law have only 4 days to remove it. 30-days later, it's still on my credit report and I've received ZERO response from anyone involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
XXXX Bank did not credit these charges as discussed and most of them were unseen : {$250.00} on XX/XX/XXXX for USPS ; {$21.00} on XX/XX/XXXX for XXXX XXXX ; {$53.00} on XX/XX/XXXX for XXXX XXXX XXXX ; {$180.00} on XX/XX/XXXX for XXXX XXXX ; {$6.00}. on XX/XX/XXXX for Deposited item-this was credited-other placed stop not me ; {$57.00} on XX/XX/XXXX for XX/XX/XXXX ; {$350.00} on XX/XX/XXXX for XX/XX/XXXX ; {$180.00} on XX/XX/XXXX for XX/XX/XXXX; {$240.00} on XX/XX/XXXX for XXXX XXXX ; {$150.00} on XX/XX/XXXX for XXXX XXXX ; {$140.00} on XX/XX/XXXX for XXXX ; {$41.00} XXXX XX/XX/XXXX for XXXX XXXX ; {$320.00} on XX/XX/XXXX for XXXX ; {$100.00} XXXX XX/XX/XXXX for XXXX ; {$370.00} XXXX XX/XX/XXXX for XX/XX/XXXX; {$330.00} on XX/XX/XXXX for XXXX XXXX ; {$180.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$38.00} on XX/XX/XXXX for XX/XX/XXXX ; {$170.00} XXXX XX/XX/XXXX for XXXX ; {$40.00} XXXX XX/XX/XXXX for XXXX ; {$29.00} XXXX XX/XX/XXXX for XXXX ; {$590.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$240.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$20.00} XXXX XX/XX/XXXX for XX/XX/XXXX; {$160.00} XXXX XX/XX/XXXX for XXXX & XXXX ; {$120.00} on XX/XX/XXXX for XX/XX/XXXX ; {$100.00} on XX/XX/XXXX for XXXX ; {$14.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$57.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$100.00} on XX/XX/XXXX for USPS ; and {$41.00} on XX/XX/XXXX for XXXX XXXX Please mail XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 60 plus days of no response. I have disputed this alleged debt collection with eastern accounts and the XXXX credit reporting agency. Asking for validation proof of debt proof of a signed contract over 60 days. I was told by the representative at eastern account that they do not have to show me proof of debt and she said that she will try to call original creditor to get proof but like i stated earlier that it has been over 60 days and no response from either company. Last communication via phone call was on XX/XX/2022.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: SC

Complaint narrative:
I did not authorize or make these changes on my profile regarding these fraudulent inquiries. Please see attached FTC report and I will be looking forward to the updated report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCollect, Inc.
State: NJ

Complaint narrative:
I have disputed this with the other credit bureaus and they have both agreed this was not my debt and have removed it from my credit report. XXXX removed it in XXXX and then added it back on. Per the FCRA this is not my debt and is causing issues with my life. I am attaching proof that this is not showing up on my other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Augusta Collection Agency, Inc.
State: NY

Complaint narrative:
On XXXX XX/XX/2022, AUGUSTA COLLECTION AGC flagged my account as Collections for a {$56.00} balance. I have never heard of this company, they have never spoken to me in person about the debt, they have never spoken to me by telephone about the debt, they have never mailed me a letter about the debt and I have never received an electronic communication regarding the debt. 

I live in XXXX XXXX, New York. To date, the company has not provided any proof that their notices have been received or confirmed that they have been sent to the proper address in New York. They also have not verified the correct phone number that they are contacting. 

I am in the United States XXXX and do not appreciate the negative reporting done by the agency without verifying whether the debt is valid and being sent to the correct address. 

Unless XXXX has mailed documents to New York, I have not received any notices and they have failed to provide any proof that the notices have been sent to New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I received a debt collection notice from both Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. I was surprised to receive this because I've never set up an account with T-Mobile and had never received any kind of billing notices from them prior to receiving the debt collection notices. On XX/XX/22 I called Convergent Outsourcing and notified them that I was disputing the debt. The letter they sent me states that if I dispute the debt they must stop collection until they send me the information that shows I owe the debt. As of XX/XX/22 I have not received any correspondence regarding my dispute, but I have received an additional collection notice that was issued on XX/XX/22. 

When I initially called Convergent on XX/XX/22 they also advised me to call XXXX directly to dispute the claim. I did this on the same day. I spoke with XXXX different representatives and they were unable to give me any information regarding the account and wouldn't allow me to dispute anything because I couldn't give them the pin number associated with the account. As I never set up an account I have no way of knowing what this pin number could be and they did not offer me any assistance with this. I also requested that they reach out to the debt collector directly about this as they wouldn't give me any information. They refused to take the debt collection account number when I offered it. 

I would like confirmation that they will cease all debt collection efforts and that this will not affect my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: SC

Complaint narrative:
I did not authorize or make these changes on my profile regarding these fraudulent inquiries. Please see attached FTC report and I will be looking forward to the updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Zelle Scam on Wed, XXXX XXXX at XXXXXXXX XXXX Dear, Customer We encounter a little problem while trying to credit your Zelle account, you received a payment of {$850.00} USD but we have a problem in crediting your account with that amount because the status of your Zelle account is not a business user which makes your account have a limit and this amount seems to be above your limit. You have to take the urgent step to expand your account limit. 

[ FOLLOW THE INSTRUCTIONS ] Contact the payee to your account to help you send an additional payment of {$500.00} USD so that your account limit can be expanded, As soon as this is done we will send you a notification before we process the total payment into your Zelle account. Your account will be credited with the total sum of {$1300.00} USD immediately Contact Privacy Legal Zelle Logo Transaction and payment assurance. 

An alert has been sent to your buyer in regards to the {$500.00} USD additional payment to send, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : Child support enforcement Inquires : XXXXXXXX XXXX XXXXXXXX XXXX Account numberXXXXChild support As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XXXX XX/XX/1991

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 90 plus days of no response. I have disputed this alleged debt and car was awarded to my ex wife back in XXXX with Santander Consumer USA was told that debt would be transferred to ex but been on my reports for over 8yrs and the XXXX credit reporting agency. I was told by the representative at Santander Consumer USA that they do not have to show me proof of debt .Last communication via phone call was on XX/XX/XXXX.

Company response to consumer: Closed with explanation