vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my Equifax report and seen this account all reported by Equifax the same day, I believe that equifax made a mistake reporting. This is not my account. Speaking to the original creditor, no knowledge of who this was. I did file a XX/XX/XXXXwith the FTC reference # XXXX Collection Agency XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$350.00} Amount {$350.00} Status Date XX/XX/XXXXXXXX StatusXX/XX/XXXX Date XX/XX/XXXXXXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX XXXX XXXX XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
Upon checking my credit on XX/XX/XXXX, I see an account reported to XXXX This account is not mines. I reached out to the original creditor XXXX fraud department on XX/XX/XXXX and they told me that they have no knowledge of this account being reported to my credit to equifax or any other collection agency. They have no records of it The information was not furnished by them. 

Collection Agency CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX XXXXACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX WA XXXX I reported identity theft to the FTC on XX/XX/XXXX the reference # 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 explanation
Consumer complaint received 2021-04-12 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: NC

Complaint narrative:
I noticed the account on my credit report from XXXX XXXX XXXX. I was not notified from Experian or XXXX XXXX XXXX before this account was placed on my credit 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 explanation
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: LA

Complaint narrative:
XXXX violated federal law 18 USC 1001, 8 USC 1324c, 18 USC 1341 by submitting information to the XXXX XXXX XXXX in order to collect debt which was rightfully under XXXX jurisdiction to be allotted to the consumer for lost time. XXXX has contacted XXXX XXXX XXXX Treasury and they have contacted Continental Service Group, INC d/b/a Conserve. Validation of debt was requested on XX/XX/21 following pursuant to 15 USC 1692c, ( c ) ( 2 ). I was sent post dated information to appear as if it was in correlation with the current request pursuant to 15 USC 1692c, ( c ) ( 2 ). Continental Service Group, INC also violated 20 federal laws including 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ) ,15 USC 1692f ( 1 ), & 15 USC 1692c ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
Original issue gave response date of XX/XX/21, but was closed 2 months before that date causing refiling. 

In XX/XX/21 response American Express falsely indicated that the XXXX offer had not been loaded or subscribed on my card. The attached image I captured just after doing so proves otherwise. 

Main complaint : Initiated Offers list for my American Express card and saw an offer for a XXXX music subscription deal where you would get a {$9.00} account credit for a {$9.00} XXXX purchase. I activated and loaded the offer and clicked the link. I made the {$9.00} XXXX purchase. On XX/XX/XXXX my AmEx card was charged {$10.00}, which is the {$9.00} plus tax. I called them on XX/XX/XXXX because the credit had not been made to my account. I disputed the charge because I had not received the account credit as clearly promised in the offer specifications. They denied the dispute. I contacted their customer support service via chat on XX/XX/XXXX and XXXX complaining about the false advertising nature of this offer. They offered to investigate and said that I should check back with them or look for an account credit. It never came. This charge is being disputed be cause it is the sole reason why I signed up for XXXX and I clicked their link and followed the instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
After viewing my credit report, I noticed accounts that do not belong to me. These accounts were placed on my credit report without notifying me 5 days before placing th accounts on my report. I have asked Equifax to send me copies of an original contract or bill showing my name, address, and signature. Equifax still has not provided this information for the accounts listed below XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I was recently affected by COVID 19  and fell behind on my bills So I wasnt able to make my payments .Im now at a stable state to make sure my payment is made on time plus pay more to make up for the past due .These late payments are hindering me from becoming a home owner.Im seeking for a second chance and asked can the late payments be removed from all three credit bureaus as follows 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 explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I paid 1 dollar to transunion, to check credit score a week later they charged me 27.99 as I went to call them they told me I signed up for a subscription witch theres no way I signed up for anything XXXX a 1 dollar credit report, as I called them to ask them to take the subscription off and I did not purchase it they told me they cant, and I have to keep it for a month, as I ask how come if they said it started after the free 7 day trial some substitution starts, I said to them well if it didnt start yet than take it off she still replied we cant, I ask for a supervisor and she hung up, I called back three times after they get my info they will leave you on hold for 15 20 mins than hang up, so I called back the next day and talk to a woman that said she take it off and I was all set than another charge came, I am now just so upset they can do this, so I called back 2 days later after another charge came and the lady again said theres no way they give refunds, I told her this is fraud she said have a nice day and hung up on me, so after reading up online I found thousands and thousands of people had the same issue, so from learning from them I went to the website and did it online and still was charged and noway to take it off besides the evedince of my calls, I also been getting tons of phone calls from XXXX XXXX and when I called them back to talk to a supervisor I have learned that transunion is there coparnts and you have to log onto there site and go to share personal information and take it off, I just cant belive this is a credit place and to do this this is unbelievable, I am contacting a attorney I dont car if its 30 bucks and 27.99 I'm taking this to court or am asking what I can do this is crazy how many people they been doing this to and customer service is a joke, please help

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 2021-04-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: HI

Complaint narrative:
I purchased a {$15.00} XXXX gift card that their system says was loaded to another users account. When I called XXXX they told me that a XXXX had loaded my funds from a card with the number of the one I have into his account. I do not know anyone named XXXX. They also had the nerve to tell me and insist that someone else in my household is responsible and used my card for their account! I have an original proof of purchase load receipt for the card and I am in physical possession of the card! I am the only one with access and the card was in a storage unit for which I am the only one who has access. I have contacted XXXX XXXX XXXX and XXXX multiple times and they insist on telling me that I know a XXXX who lives in my household or that someone else in my household accessed my card and stole my funds! Ive complained at least twice to the XXXX XXXX XXXX and XXXX has ignored every probe and inquiry! Extremely unprofessional and cold! The gift card had been stored after being purchased a couple of years ago and I tried to use it on XX/XX/2020 to buy food through their XXXX Eats program. I am disgusted by this and believe that it is grossly unfair! 
XXXX XXXX XXXX is the company that creates and loads the gift cards and is the entity who is the ultimate holder of funds on the cards that they manufacture!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
XXXX has credited my account {$140.00} XX/XX/2020 and sent me a VISA card for the same amount. On XX/XX/2020, I received a notice from a collection agency on behalf of XXXX, for the amount of {$140.00}. I have communicated this dispute in writing to XXXX and the credit collection agency on 3 occasions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: GA

Complaint narrative:
AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WAS A FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. THE ACCOUNT IN QUESTION IS WITH XXXX XXXX. I HAVE ATTEMPTED TO CONTACT THEM MULTIPLE TIMES TO REQUEST INFORMATION FOR THIS FRAUDULENT ACCOUNT. I HAVE FILLED OUT NUMEROUS DOCUMENT IN ATTEMPT TO GET THIS INFORMATION REMOVED YET THEY CONTINUE TO REPORT THE FRAUDULENT INFORMATION TO ALL THREE CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE ME INFORMATION PROVING THIS FACT. AT THIS POINT THEY HAVE STOPPED RESPONDING TO MY EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. I HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS ME AS A CONSUMER TO REQUEST COPIES OF MY CREDIT REPORT AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT 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 explanation
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WAS A FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. THE ACCOUNT IN QUESTION IS WITH XXXX XXXX. I HAVE ATTEMPTED TO CONTACT THEM MULTIPLE TIMES TO REQUEST INFORMATION FOR THIS FRAUDULENT ACCOUNT. I HAVE FILLED OUT NUMEROUS DOCUMENT IN ATTEMPT TO GET THIS INFORMATION REMOVED YET THEY CONTINUE TO REPORT THE FRAUDULENT INFORMATION TO ALL THREE CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE ME INFORMATION PROVING THIS FACT. AT THIS POINT THEY HAVE STOPPED RESPONDING TO MY EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. I HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS ME AS A CONSUMER TO REQUEST COPIES OF MY CREDIT REPORT AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: IL

Complaint narrative:
I called Discover to alert them that someone is re-aging my account XXXX I personally have not made a payment on this account since XXXX when the account was closed for no reason and flagged as a security breach and threat to the company. They closed a perfectly good account with no explanation. For this reason I stopped paying and using the account in XXXX. The account was due to fall off my credit so I called Discover to find out when the derogatory account was going to fall off due to the 7 year statue of limitation. All of a sudden from XX/XX/XXXX to XX/XX/XXXX. ( TWENTY ONE UN ANSWERED PAYMENTS DONATED TO MY ACCOUNT OUT OF THE BLUE ). Re-aging the account til XX/XX/XXXX. This is down right dirty if I made the payments what card or bank did I use to make such payments There has to financial records to prove this if they got payments. This was intentionally done by DISCOVER because XXXX on earth knows that I did not make those payments it makes no sense when the account was closed by Discover in XXXX. 21 payments made by someone other than myself this is a shame. Who would make payments 120 days past due. I'm going to the FTC this is wrong dead wrong. 
I want proof of these payments because I'm the only one that would have made them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
The credit card company charged me a late fee which I paid on XXXX I phoned them and was given confirmation number XXXX on receiving the next bill. 2 late fees were given even though the bill was paid 4 days before it was do and there were plenty of funds in account.

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