vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I reviewed my consumer report and discovered identity theft committed on my consumer report as I never gave consent to, authorize nor did I benefit from any of the following Hard Inquires : 1 ) XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX as Pursuant to Federal law FCRA 15 USC 1681a ( d ) ( 1 ) states that said Hard inquiries are indeed consumer reports ; and pursuant to 1681b ( a ) states that any consumer report agency may furnish a consumer report under the following circumstances and no other pursuant to 15 USC 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates and I The consumer never gave Equifax nor did I give XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX instructions to furnish any of the said consumer reports on or in my credit file which makes them civilly liable pursuant to 15 USC 1681n for a consumer report is indeed my reputation. On XX/XX/XXXX I sent Equifax an identity theft report requesting and demanding that they block and remove the said Hard Inquires from my credit file. It is Equifax position that the processing of my credit file has not been in accordance with all applicable laws and I am therefore demanding monetary compensation For {$1000.00} per Hard inquiry ( consumer report ) ; {$25000.00} per Hard inquiry a total amount of {$52000.00} to be sent as check. I have sent the identity theft report certified Mail with the a cover letter and 605b letter attached certified mail number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
This Had to have my identity taken at 1st it was listed under XXXX XXXX XXXX = being the 1st name XXXX = the last name my name on XXXX. address Unknown nothing was never delivered to my apartment that I have lived at my apt for 9 years I also have a lease.. I moved here in XX/XX/XXXX. I tried to me the company & they said the owner had a XXXX number called and when more information I needed my ID from that point EVERYTHING Went IN MY NAME. I have no knowledge of what was bought nothing. The police needed more info I have nothing but a credit report that is now in my name that started off under my XXXX name LOOK everything on my credit is in good standings why not this I'm at a stand still... PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
On XX/XX/2021 I sent a letter to CONVERGENT HEALTHCARE. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
On XX/XX/2021 I sent a letter to I.C. SYSTEM, INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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:
On XXXX I sent letters to the credit bureau regarding inaccurate and unknown infomation on my personal credit report to this day it has been over 120 days later, I still have not received a response yet. unfortunately at this point I feel like I'm being taking advantage of and my disputes are being disregarded of its urgent request. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediateltly remove those items from my credit report, it has been well over 120 days so they should be deleted and removed promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the hardship you as well as this information has caused me. My information was also impacted by over 33 data breaches. I have attached proof of the data breaches on XXXX XXXX and XXXX XXXX My personal information was also impacted MULTIPLE times through the dark web. The list also includes the Equifax data breach, FEMA data breach, XXXX XXXX data breach and multiple other MAJOR DATA BREACHES and may have got into the hands of the wrong person. I have attached My Police Report Number. I have also attached my FTC report number XXXX this report includes all the inaccurate and unknown information accounts that has been reported to my credit, Please remove the inaccurate accounts I have attached so that I can take control of my personal credit with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: GA

Complaint narrative:
My sister died of XXXX XXXX fell on hardship paid the company back was only two months behind they used collection tactual adding high fees and put in court as I found out from a phone call only after they had already taken my money to catch up on the debt. Then I was told by XXXX that besides those payments should never have been accepted and they want the entire monies and court will continue. Her name is XXXX phone number is XXXX ext XXXX She also inform me that nothing would stop even after I had gotten the payment caught up. She continue to enforce courts by saying the represented that took my payment over XXXX had told me I could continue my normal payments no one ever told me I was getting sued instead they took my money and said payments could continue XXXX XXXX said they was wrong and should never have taken my money and applied it. The unexpected cost of keeping my sister child and taking over her expenses made me behind I caught back up company took payment, then I was told by the rep that they was wrong for taking payment and they will continue harsh collections on the balance. She has cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2021 I sent a letter to CAPITAL ONE BANK USA NA. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/2021 I sent a letter to WELLS FARGO BANK. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Attached below is my request for any negotiable instrument that contains signatures between XXXX XXXX XXXX. Silence is acquiescence, if within 30 days of receipt of this request, the original negotiable instrument along with full material disclosure is not received, further legal action will be taken if Medical Data Systems continues to report to consumer reporting agencies a fraudulent account. 

I have the right to request full disclosure pursuant to the Freedom of Information Act & Equal Opportunity Act. Failure to do so can be seen as fraudulent concealment.

Pursuant to 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

A copy of this request has been mailed to the registered agent as well for record of any future legal proceedings that may take place, thank 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 2021-09-30 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: MI

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
THIS IS A FRAUDULENT CARD/ACCOUNT! I, XXXX XXXX, DO NOT HAVE A CHASE XXXX CARD ( I'm not a coffe drinker ). SOMEONE HAS HIJACKED MY COMPUTER AND IS OPENING ACCOUNTS IN MY NAME. MY PHONE NUMBER IS XXXX i THINK THEY HAVE MY SOCIAL SECURITY NUMBER. THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent Transunion a 609 verification letter to verify certain accounts in my credit file and they didn't respond at all.

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 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I pulled my credit report to see a collection account from Kingston Data & Credit with a balance of {$1600.00} listed. I have absolutely no knowledge of this debt or company. On XX/XX/2021 I drafted a validation letter, not to be confused with a verification. Requesting they provide me with competent physical evidence that I had any legal obligation to pay their company. On XX/XX/2021 I sent my validation letter out via USPS Certified mail, after tracking my letter I see the company received it on XX/XX/2021. Under the FDCPA laws Kingston Data & Credit has failed to responded to my validation letter in the legal allotted time which is 30 days of receipt. Kingston Data & Credit has also violated my consumer rights under the FCRA & FDCPA by continuing to report negative information to the credit reporting agencies causing a detriment to my personal credit while in the process of disputing this information. This debt is now unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I borrowed a total of XXXX in student loans, Navient consolidated my student loans and now I owe over XXXX to them. I did an income based repayment and ended up paying a total of {$7.00} off my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2021-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the previous written letter, the unverified item listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

DIRECTRECOV ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2017 Balance : {$6800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

WESTLAKE FIN XXXX Date Opened : XX/XX/2015 Balance : {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: MI

Complaint narrative:
XXXX you wrote XXXX XXXX XXXX  disturbed the funds XX/XX/2004 are you talking about the XXXX XXXX XXXX  In Utah? 
XXXX XXXX XXXX  paid the XXXX  XXXX XXXX XXXX {$49000.00} XX/XX/2004? 
XXXX you wrote you are the servicer of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX loans then how did XXXX XXXX XXXX became a creditor?

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 2021-09-30 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: MI

Complaint narrative:
XXXX you wrote XXXX XXXX XXXX  disturbed the funds XX/XX/2004 are you talking about the XXXX XXXX XXXX  In Utah? 
XXXX XXXX XXXX  paid the XXXX  XXXX XXXX XXXX {$49000.00} XX/XX/2004? 
XXXX you wrote you are the servicer of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX loans then how did XXXX XXXX XXXX became a creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I contacted citi back about a account opened in my name fraudulently- they located the account and the lady on the phone by the name of XXXX advised me she was going to close the account immediately- she put me on hold and the phone hung up-one of the times a representative told me they didnt see the account and then replied they had found it- I contacted them back and on three consecutive times I explained what at hAppened and was put on hold to the phone hanging up- very last time I asked to speak to a supervisor and I explained- she saw my issue and I asked her could she take the account just closed and correct my info opening a new account as identitytheft.Gov requested me to do and she said I needed to file a complaint and to contact their complaint department and the credit bureau

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 2021-09-30 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This is a old Dept from XXXX they keep resale the dept to other collations company no settlement was every offer. Send proof of settlement offer and when account was open. When I dispute it they keep selling it to other collections company destroy my credit. I need help. No offer to settle Debt. It should have drop off my credit. Portfolio recovery when I dispute it they take off them resale Dept and put it right back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: OH

Complaint narrative:
I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 
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