vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
I have attached two accounts that are reporting to my credit profiles incorrectly. None of the information is correct on any of the three bureaus. Per the FCRA the information comes from the same source and it should all coincide and it doesnt and would like to have both of these accounts deleted from all three of my credit bureaus.

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 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: WA

Complaint narrative:
XXXX PST XX/XX/21 Spoke to a lady who would not respect the aspect of PII. Gave enough information to verify myself to include my name, states of residence ( to match on file ) and the like. I asked for verification of debt and was informed she wouldnt do that without verifying personal information ( which I already did ). Asked to be transferred to a supervisor. 2nd lady did the same thing. Asked for a verification of debt denied asked to be transferred. Spoke to a 3rd individual, male, same issue, and then transferred to a woman named XXXX. XXXX stated she could not proceed with anything unless verifying information. She read off my address and I told her that I have resided in this residence for 2 years almost 3 years now. I again, asked for a verification of debt/business matter in writing and she said okay I am ending this call after. My FDCA rights have been violated for verification of debt in writing. Additionally, nothing is on my credit report with XXXX in any shape/form/way. XX/XX/21 - missed their call at XXXX ( no voice mail left ) XX/XX/21 - same situation occurred at XXXX when asked about myself and was hung up on XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST If it was " such '' of an important business matter, then a voicemail would be left and these practices of " DENYING '' a written/printed letter of verification without " attempting '' to obtain PII such as social security numbers, DOB and the like ( which can all be used to fraudulently obtain someones identity and the like ). Ex-military, well versed in these laws/regulations and prior experience in this industry as well. Based on the laws, first phone call received XX/XX/21 have 30 days from this date to request. Being XX/XX/21 ( 7 days ), this is within that time frame. Being denied and refused to do so to verify this matter is a violation of said law thus should be removed/denied any adverse affects to me to include my credit report/history. Any future notifications from this is considered harassment and fraudulent and will be documented for a civil lawsuit valued at {$1000.00} + damages for every event that occurs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
I have attached two accounts that are reporting to my credit profiles incorrectly. None of the information is correct on any of the three bureaus. Per the FCRA the information comes from the same source and it should all coincide and it doesnt and would like to have both of these accounts deleted from all three of my credit bureaus.

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 2021-08-05 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: FL

Complaint narrative:
I have attached two accounts that are reporting to my credit profiles incorrectly. None of the information is correct on any of the three bureaus. Per the FCRA the information comes from the same source and it should all coincide and it doesnt and would like to have both of these accounts deleted from all three of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
This is a complaint about XXXX XXXX XXXX, although theyre a law firm, in this case by their own admission they are acting as a collection agency, therefore my complaint against them as a collection agency. I have received a letter from them on XX/XX/XXXX, marked as Exhibit 1, alleging I owe a certain amount of money to my Mortgage Company and they asked me to request verification of this alleged debt within 30 days of their letter, in response I sent a letter marked as Exhibit 2, which hat they received on XX/XX/XXXX. According to their letter, I had 30 days to verify the debt which would give me time until XX/XX/XXXX. To my dismay I have received a non-Judicial foreclosure notice dated XX/XX/XXXX. Marked as Exhibit 3. 
This is a clear violation of FDCPA which is a federal law. I would like you to look into this matter and take appropriate action against the collection agency whos responsible for this violation. 
Thank you for your time, looking forward to hearing from you soon. 
FYI, XXXX XXXX was known as the foreclosure mill in the state of Georgia during the 2008 financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: GA

Complaint narrative:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TN

Complaint narrative:
I have been filing disputes since XXXX of 2021 with XXXX, Transunion, and XXXX. XXXX  XXXX is reporting a past due balance that's against violation of my FCRA rights. Credit Collection is paid off and it's showing that's it not paid.

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 2021-08-05 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: TN

Complaint narrative:
I have been filing disputes since XXXX of 2021 with XXXX, XXXX, and Equifax. XXXX  XXXX is reporting a past due balance that's against violation of my FCRA rights. Credit Collection is paid off and it's showing that's it not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
For months I have been receiving constant harassment calls from Convergent Outsoursing Inc. After months of missed calls, I changed my phone number because this is the number I use for work. Convergent Outsoursing Inc somehow found out about the new work number and continued the harassment, the constant calls at inconvenient times, they reported the alleged debt as collections to the credit reporting agencies to coerce me into payment, I sent them a Cease and Desist on XX/XX/2021 and they received it on XX/XX/2021, since then they still report this alleged debt/collection. 
I have requested them to stop collection attempts and they still abuse and violate my consumer rights.

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 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CO

Complaint narrative:
I see an entry on my credit report from Security Credit Services in regards to a Collection account past due from XXXX XXXX. I have never done business with XXXX nor have I done business with Security Credit Services. Also the address they are saying the person who took the account out lives ate XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never lived at that address. That address on XXXX earth shows up as a hotel not a single family address. I have lived in XXXX  XXXX for the pass 10 year and before that I lived in North Dakota. I have no clue why this account is on my recorded unless someone sole my Id. I have tried to call Security Credit Services and keep getting directed to leave my phone number and name for them to get back to me. I feel that this complain is a scam and refuse to give them my number. Also when I checked my credit report it showed that I have never payed them any money and now it shows that {$28.00} has been payed. I did not pay them and would not ever pay them. I tried to deal with XXXX to have this removed from my credit report and they only come back with Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
I do not understand how they can do this when I have never done any business with ether of the companies in any shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Circle Internet Financial
State: MA

Complaint narrative:
Companies I am complaining against is XXXX  and XXXX 

This may not be the right category but can the loosely fit to this category and purpose of this organization. If not accept my apologies as i dont know where else to turn to regarding this issue. 

1. I had invested in an App/Company called XXXX through XXXX. This company was acquired by XXXX few years ago. There is no information about the progress of investor investments or acquisition deal size. They simply stated undisclosed amount. If they raise money from investors i think they are liable to share all the details with us. Let us know the dilution of the value and shares that occurred if any due tot he deal. Have veeb trying to contact XXXX, XXXX execs and XXXX execs for a while and no resolution has been given. I suspect there has been fraud done against investors and would like to get answers and if possible sue them for negligence or fraud or suppression of information. 

2. Another company i invested through XXXX is called XXXX XXXX. This company went sort of bankrupt and sold themselves most likely to their relatives ( but think its legal transaction ) for a loss of over 95 %. We the investors are not able to claim loss on this cos of the nature of the deal. Most importantly my issue is that XXXX advertise this as a successful campaign. This can be misleading as this was successful in collecting money from investors but is a failed company. 

3. In XXXX platform some of the details of the closed campaigns are gone and have to contact customer service to get these information. I would appreciate if they keep all information like round size valuation etc intact in their platform fro investors to review after many years of closing the campaign.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Block, Inc.
State: PA

Complaint narrative:
I have been contacting y'all cash app support team over chat about my two disputes, the {$32.00} from XXXX. Why do I need to dispute that payment? Because the company never send me my order, and I have been contacting them by email, they don't reply to my emails. Another dispute is {$120.00} from XXXX XXXX. Why do I need to dispute that because I didn't pass their program? On their site, it's said they offer refunds. Still, contact the business by email and tell them there was a glitch in their system that makes me void the program rules. They told me I couldn't get a refund or a free retake 's and I have been contacting y'all support about their disputes. They keep telling me someone will contact me, and their no updates yet on my disputes, and they claim they escalate my issues. I have been waiting for a whole week now without no contact by email from y'all my two case number is XXXX and XXXX. And my cash app tag is $ XXXX. I require y'all to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: GA

Complaint narrative:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2021-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I was financed a XXXX XXXX 4 months ago and when i asked is anything wrong with the car i was told no. Later i came to find out that the car had frame damage and the problem became unrepairable. I was told by the shop that the dealership had to be aware of this if the car was correctly inspected.

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 2021-08-05 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: Commercial Acceptance Company
State: NY

Complaint narrative:
COMMERCIAL ACCEPTANCE COMPANY and Collection Agency XXXX XXXX XXXX are 2 companies that are reporting fraudulently on my credit. 
I didnt open nor utilize these accounts and I am requesting the removal of these accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: MD

Complaint narrative:
On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX XXXXXXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXX XXXX XXXXXXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.

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 2021-08-05 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: MD

Complaint narrative:
On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX  XXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXXXXXX XXXX XXXXXXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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:
On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX  XXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXXXXXX XXXX  XXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.

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