vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: MD

Complaint narrative:
XXXX  Potentially negative Date opened XX/XX/XXXX Balance. {$0.00} Status Open. 
DELETE ALL LATE PAYMENTS XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 
DELETE ALL LATE PAYMENTS XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open DELETE ALL LATE PAYMENTS XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. {$330.00} written off. 
The written off amount was lager And I paid the account in full DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX MORTGAGE Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX MORTGAGE Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open. 
Balloon payment of {$3100.00} due XX/XX/XXXX. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Collection account. {$340.00} past due as of XX/XX/XXXX. Paid in full creditor wrote off account in XXXX and XXXX DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid by creditor DELETE ALL LATE PAYMENTS XXXX & CO XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$270.00} Status Open. 
Paid in full Creditor wrote off amounts multiple years in a row since XXXX. 
DELETE ALL LATE PAYMENTS

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Accounts : XXXX XXXX XXXX : Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX Accounts : XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX I am a victim of identity theft. Since these accounts are reported repossessed, paid off, or charged-off it should not still be reporting the 1. Open date, 2. Date of last payment, 3. monthly payment amount, 4. date of last activity, 5. account number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc.
State: PA

Complaint narrative:
A debt validation letter was sent the company. The company was given 14 days to respond as of XX/XX/2022 company has not responded. It is going on 30 days and the company is refusing to provide validation for this debt. This is the XXXX notice asking the company to validate. A complaint has been filed with XXXX for mail fraud and the Attorney general for fraud as well. They're in violation FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I mailed a letter to Transunion XX/XX/2022. I Called everyday until they claimed they received my letter on XX/XX/XXXX. They advised me that they had 5 days to review information to see if a dispute is necessary. By XX/XX/XXXX all supporting documentation had been attached to my file and by XX/XX/XXXX they had concluded that this was verified but did not provide proof from who as I have asked and as I have provided a letter from the Bankruptcy Court and XXXX as well as my XXXX and XXXX public record portion. TransUnion has blatantly violated my rights by even concluded an identity theft dispute within 2 days. I ask that TransUnion provide proof of my signature, proof of any document attached to this Bankruptcy with my full social security number and/or signature. If they can not produce such proof I ask for this item to be deleted and not reinvestigated as they have already had time and failed to conduct a proper and fair investigation.

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 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX, XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX  XXXX as the original creditor to XXXX and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. 

I previously disputed this same Collection to XXXX regarding XXXX XXXX, XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX  XXXX as the original creditor. XXXX removed the XXXX XXXX, XXXX erroneous and inaccurate Collection account. 

I hereby further dispute XXXX XXXX, XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

XXXX XXXX, XXXX is not my creditor. 

I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. 

I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-05-04 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: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2022-05-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
In 2017, I was renting an apartment from XXXX XXXX. I was never delinquent on payments and I vacated the premises upon completion of the lease. Upon vacating, I requested a walk-through and was told the premises was in a satisfactory condition. XXXX never notified me of any additional monies owed. Approximately a year later, I was contacted by XXXX after I submitted a request for the reimbursement of my security deposit. XXXX declined. I immediately notified them that I disputed any monies owed and that they could seek judicial intervention in small claims. Specifically, I advised that I was officially negating their allegations of any debt owed and that they need to pursue litigation without allowing interest from the alleged debt to accrue. Almost 6 years later, I learned from XXXX that a third party had acquired the debt collection. I was never notified by mail or otherwise that I would be sent to collections. I vehemently deny any debt owed and also affirmatively assert that their failure to notify me of any debt or transfer of debt has unduly prejudiced me by denying me due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Service Finance Holdings, LLC
State: CA

Complaint narrative:
I did not sign this loan with Service Finance- this is not my signature and i did not veri sign i have emails from them saying i havent veri signed - also i have police report of use of reporting my credit monthly with negativity XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I started receiving calls from XXXX XXXX XXXX  few months back [ around XXXX 2021 ]. Initially i thought it was a span call so avoided it. But around some point later when i spoke to they they told me i have a credit card debt for around {$1800.00}. They also added i had multiple purchase from XXXX XXXX. I explained i never opened an account with that bank. Matter of fact never heard of that bank before. Now they sold the debt to Midland Credit Management and they send me a legal notice. I am working with them and they asked me to open a fraud report in FTC and send it to them so that they can take the process further. 

Note : One of the bank representative told me when i had a legal purchase from my debit card in XXXXXXXX XXXX  in XXXX, Texas location they might have enroll me in an their credit card program from XXXX XXXX Bank and send to my then legal address. And someone might have stolen and activate the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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:
In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX is only reporting on my Experian credit report. I have attempted on numerous occasions to dispute this alleged account with the credit agency by requesting a proper investigation into the entirety of this account. Experian took longer than 30 days to investigate and then responded back to me that the account had been properly investigated. 

How is it possible that this alleged account has been properly investigated when it only reports to Experian? If the alleged account was properly investigated, then why is the open date, date last active, and date last reported, which currently reflects XXXX, XXXX accurate? 

XXXX XXXX XXXX has violated my rights under15 USC 1681.

15 U.S.C 1681 Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. For the record, I have never given this alleged account written permission to furnish this account on my credit report.

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any 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. 

I have attached my XX/XX/XXXX credit report for your review and, in support of this complaint.

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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Account was closed XX/XX/2022 for aggressive movement of money against my wishes. Received a notice that my credit builder, checking abs savings account were closed and I would receive a check for my funds. ( Several thousand dollars ) in 30 days. Ive tried to contact Chime bank over phone but their phone service recognizes my number and refuses me to talk to anyone. Ive emailed XXXX as directed by their automated phone message 9 times and have not gotten a single response back. 

Its now been the 30 days and I still have not received my closed account funds nor can I get a hold of them to figure out whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
i had a collection for {$860.00} for my Chasee Freedom ( jpmcb ) credit card that went to collections and it was charged off and went to my credit. in XXXX  i got a settlement offer via mail that i can settle it for less the balance for {$87.00}. so i accepted the offer and at the time i was in the process of repairing my credit with a reputable company called XXXX. My advisor from that company then told me to go ahead a accept the offer but at the same time write them a letter saying i would pay in exchange of deletion of my credit basically a pay to delete. the letter also said if they dont agree to the terms of deleting it from my credit for them not to cash my payment which was a money order. and if they did cash it they are agreeing to delete it from my credit. so in XX/XX/2020 i settled it and sent my letter certified. later my credit file was updated paid but the item wasn't removed. i then contacted Chase to see why was it still on my credit for them to inform me that they dont delete from credit and it had to stay on for 7 years. i argued with this company for almost 2 years now from the supervisors, managers and the credit dept and they all refused to delete and it didnt matter that they took my money after i asked not to if they weren't. i've also disputed with the bureaus and this is hindering me from a lot of things im trying to accomplish. i was mislead by them accepting my payment but not per my terms. im just trying to move on in my life and they are stopping me,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing XXXX  In the amount of XXXX Account number # XXXX Date opened XXXX XX/XX/2022 I have no knowledge of this account and it was never opened by me and this is showing up on my XXXX credit report as delinquent with late payments. I have already tried to dispute it through XXXX and XXXX to no avail and would like to resolve it through higher ups please help me thank you and god bless.

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 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX Accounts : XXXX XXXX XXXX : Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX Transunion Accounts : XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX I am a victim of identity theft. Since these accounts are reported repossessed, paid off, or charged-off it should not still be reporting the 1. Open date, 2. Date of last payment, 3. monthly payment amount, 4. date of last activity, 5. account number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Accounts : XXXX XXXX XXXX : Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX Equifax Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX Accounts : XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX I am a victim of identity theft. Since these accounts are reported repossessed, paid off, or charged-off it should not still be reporting the 1. Open date, 2. Date of last payment, 3. monthly payment amount, 4. date of last activity, 5. account number

Company response to consumer: Closed with explanation