vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 explanation
Consumer complaint received 2022-04-12 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX I noticed my credit report had dropped from XXXX to XXXX I pulled my XXXX report and noticed a credit card was opened that I was not aware of. I call Chase at that moment and reported it to be fraudulent. I filled a policy report and reported it to all three Credit bureaus. 
I then busted the XXXX, XXXX branch on XX/XX/XXXX and met with XXXX XXXX XXXX ID : XXXX provide him with my drivers license, Social Security card, passport, XXXX for the last XXXX years, birth certificate and utility bills showing my identity. The branch representative told me to fill out a Identity Theft Declaration of Claimant form and list all the account and cards that I did not open and provide a copy of my policy report. 
I faxed all the documents requested to XXXX on XX/XX/XXXX at XXXX. I then mailed everything I had faxed to JPMORGAN Chase Bank XXXX XXXX Department Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

On XX/XX/XXXX I received a letter from Chase stating Quote : We confirmed that you didnt open this account date of XXXX XX/XX/XXXX. 

On XX/XX/XXXX I received a call from XXXX asking for payment for the credit card. I explain to them that is credit card was open fraudulent that I did not open this credit card and I didnt know why it hadnt been closed already. I was told someone was going to look into it and call me back. 

On XX/XX/XXXX I call Chase Credit card XXXX department asking for a status. I was told that there was no status because someone went into the XXXX, XXXX  XXXX and showed a ID showing that it was me who opened the account. I again explained that it wasnt me and if anything was present it was fraudulent. I asked to speak to a XXXX, I was passed to XXXX Account Supervisor and she asked me to email her everything I had faxed over back on XX/XX/XXXX. So I emailed her the letter I received from Chase stating that I didnt not open this account, The identity theft declaration, policy report and my drivers license. All was faxed to XXXX. XXXX confirm she received the email and that I should be here back from someone in XXXX business days. 

The amount of stress and emotional distress has caused me is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 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 2022-04-12 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 act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is violating my rights. 

15 U.SC 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A 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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dispute inquiry SyncbXXXX  XXXX XXXX 
This is not authorized or signed by me. Please Delete.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is inquiry not authorized or signed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX Convergent Outsourcing flagged my credit files with inaccurate/unverified collection information on XX/XX/XXXX. Their account was recently updated on XX/XX/XXXX reporting XXXX different open dates of XX/XX/XXXX and XX/XX/XXXX. Demanding unverified amounts of {$640.00}, {$980.00}, and {$980.00}. Please be advised that Convergent Outsourcing are not Holders in Due Course ; no services or goods were received from Convergent Outsourcing and I have not agreed to pay/tender anything to Convergent Outsourcing on behalf of their alleged client for any reason. 
Convergent Outsourcing presented me with an offer on XX/XX/XXXX requesting a reduced amount opportunity of 65 %. I replied via XXXX certified mail with a notarized validation notice. Convergent Outsourcing has not responded and has continued to report their unverified collection account to my credit files. 
Convergent Outsourcing have not provided valid documents or itemized statements VIA MAIL proving I owe a debt to them with contractual proof. I have not provided signed wet-ink releases of my private information to Convergent Outsourcing. 
Convergent Outsourcing does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Convergent Outsourcings reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof also. Please abide by all mail codes. All calls are recorded for my safety.

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 2022-04-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account number 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 in account without my written instruction.

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

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/22 I purchased to seat covers from XXXX in the amount of {$59.00}. 
On XX/XX/22 Citibank closed their investigation and reverse the {$59.00} credit to account ending in XXXX. 
The copy of the merchant 's response does not include shipping XXXX 's name, date of shipping, tracking number, deliver date and or delivery pictures.

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 monetary relief
Consumer complaint received 2022-04-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. I don't know who XXXX XXXX XXXX XXXX is. I have never signed any agreement or contract with them. 

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 They have violated my HIPPA rights as well! This is financial discrimination and XXXX inequities. They have violated my Equal Credit Opportunity Act- This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

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 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: NJ

Complaint narrative:
I cancelled the account with XXXX and the mode of payment ( XXXX ) which was used - months in advance of the annual renewal. Then I received a call from the debt collection agency- XXXX XXXX [ XXXX : XXXX ]. 

I followed up with proof ( XX/XX/22 ) that I had requested the account being cancelled ( per their process ) and am still being told I need to pay for a renewal on an an account I did not use for half of the duration. Additionally, despite repeated attempts to cancel the the dormant account, I still have not received confirmation and expect them to continue this practice next year.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: GA

Complaint narrative:
1. {$8900.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX - Experian, XXXX and XXXX. This account does not belong to me and it is above Statue of Limitations. 

2. {$3500.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX mths ) - Experian, XXXX and XXXX. This account does not belong to me and it is above State of Limitiations. 

3. {$4700.00} XXXX XXXX XXXX - Account paid in Full - Eperian, XXXX and XXXX. 

4. {$8900.00} XXXX Retrievers date XX/XX/2013 ( XXXX XXXX - Experian, XXXX and XXXX. This account does not belong to me and it is above Statue of Limitations. 

5. {$0.00} XXXX XXXX XXXX - Account paid in Full - Experian, XXXX and 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 2022-04-12 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: AL

Complaint narrative:
I received an alert from XXXX on XX/XX/XXXX for an inquiry for a personal loan that I didnt authorize. I immediately called XXXX and placed a fraud alert on my credit report and disputed the inquiry and others that were not authorized. I was told by XXXX to contact the other bureaus which I did. On XX/XX/XXXX I contacted TransUnion and alerted them about someone trying to access credit in my name. I then was told by the representative that a dispute had been open for several inquiries that are on my report. I explained that all inquiries that are not attached to credit on my report are fraudulent. The following inquiries I were told were under dispute : XXXX XXXX XXXX XXXX Of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I chatted with TransUnion online today XX/XX/2022 at which time I was told that although the rep had added the fraud alert she never opened the dispute and have no way of doing so. Ive contacted each creditor on XX/XX/2022 to explain I never applied for credit and asked for the removal of the inquiries which as of yet I havent received receive any confirmation that they would. My issue is with TransUnion. I was told that the inquiries would be disputed and removed now another rep is stating its impossible without the companies whom these fraudulent apps for credit sending them documents for removal. Id like these inquiries removed immediately and a confirmation that my report is indeed frozen from potentially fraudulent activity.

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
RMC of America has violated FDCPA 15 USC 1692.

CHECK BELOW FOR ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: SC

Complaint narrative:
Experian refuses to block/delete fraudulent items even after I sent in my identity theft report and proof of identity. This is a violation of section XXXX. This is also Defamation, Fraud Enablement, and willful non compliance. I submit thus complaint as a record as a disregard to the FCRA law

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I called TransUnion and spoke with an agent about the removal of inquiries I did not recognize on my credit report. She denied me customer service, would not help, and would not take care of the negative inquiries reported on my credit report. 

According to the Fair Credit Reporting Act, legally these unauthorized and unverified inquiries must be removed : 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 XXXXXX/XX/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 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 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 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 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

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX XXXX, there was {$450.00} balance reported from XXXX XXXX. Called XXXX  XXXX and notified them this not my balance and someone opened this account using my name. No resolution. I need this balance taken off immediately because I have never used or notified of the collection by XXXX XXXX.

Company response to consumer: Closed with explanation