vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Over 3 years ago I was notified through XXXX XXXX that a fraudulent account in my name was opened and in collections with XXXX XXXX in XXXX XXXX, NV. 
I immediately disputed this fraudulent account with all 3 credit bureaus as well as XXXX XXXX. 
I submitted the fraud claim and all necessary documentation to support said claim to XXXX XXXX at which time this debt was removed from my credit report ( s ) and no further attempts to collect said debt was made until XX/XX/2021. 
I received by mail at my new address a collection notice from Convergent Outsourcing , Inc demanding payment on behalf of XXXX XXXX in the amount of {$1500.00}. 
I have never resided in the State of Nevada, I resided in XXXX XXXX, CA for over 6 years until my relocation to XXXX XXXX XXXX CA on XX/XX/2021. 
I attempted to resolve this matter with Convergent Outsourcing , Inc informing them this account was opened fraudulently and disputed through XXXX XXXX over 3 years ago. They refused to acknowledge and accept the information I provided to you in this letter so I contacted and filed a complaint with the XXXX. 
Within 24 hours I received a call from XXXX XXXX not Convergent Outsourcing, Inc informing me they were contacted by the XXXX  at which time I informed them of the above information provided in this letter. I was told they had no record in their system of said debt and I informed them it was disputed over 3 years ago and no further collections were attempted and to please contact Convergent Outsourcing , Inc and advise them this account was opened fraudulently and resolved through your fraud department and to cease any further attempts to collect this debt. 
This morning XX/XX/2021 I received notification from XXXX XXXX that Convergent Outsourcing , Inc has reported to XXXX a collection account opened XXXX the amount of {$1500.00}. 
This attempt to collect a debt fraudulently opened in my name in a State I have never resided in is unlawful and extremely unethical. 
I am XXXX and on a fixed income. I have outstanding credit and no history of any collections and or delinquent account ( s ). 
This is grossly effecting my credit worthiness. 
Your assistance in resolving this matter would be greatly appreciated.

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally has violated my consumer rights as well as the law. I wrote to Ally on XX/XX/21 in dispute of a debt they hold in my name. In Ally '' s written response to my request, they did not include a statement given my the right to Dispute the debt. But in turn stated that they have already reported this erroneous debt to the credit bureaus. Ally has deprived me my Consumer right to Dispute debt that does not belong to me as well as Defamed my Character by unjustly reporting this negative account under my name.

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 2021-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute with XXXX in regards to the incorrect items reported on my credit report. It has been well over 30 days without receiving any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In XXXX I paid off the remaining balance of a student loan serviced by XXXX XXXX/XXXX XXXX . Following the pay off, the lender incorrectly reported the account as closed due to a charge off. This of course triggered a massive drop in my credit score and alerts from all the agencies. I disputed it and then contacted the lender to sort it out. XXXX did an internal investigation and review and determined that they had made a mistake and this was their fault and they would inform the credit agencies of the mistake and to strike the charge off from my record, they sent me a letter to this effect. 

I submitted the dispute to all the agencies ( thus far only XXXX has updated and removed it ). XXXX has not completed the dispute yet. Experian has refused to change my report. I have filed, and had rejected, 7 disputes so far on this item with Experian. I've provided the letter from the creditor, and the creditor ( XXXX ) has stated to them several times that this was a mistake. Experian continues to refuse to accept the change and denies all of my disputes.

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Phoenix Recovery Group and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
On XXXX XXXX they sent a text addressed to my significant other. requesting him to call P & B asap and provided file # XXXX. The text came from number XXXX towards the end of the message it says to Stop to Stop messages. So responded stop and stated to stop calling my or texting my number because he was not at this number. I received a response that stated I responded stop which blocks all text sent from this number. 

I received another text on XXXX XXXX from a different number XXXX from the same company. I did not respond to that text message because they should have gotten the hint from the first text sent back in XXXX. 

Then on XXXX XXXX received the same text msg but this time they did not put the business name as the others but placed the same file number again. Again I did not respond to it. 

Today I received a call from XXXX from a XXXX XXXX stated that the are in the process of filing a civil complaint through XXXX County that name me and XXXX as a co-defendant and they need to speak to me or my attorney and it asks me to refer to the same case number above XXXX. We were being named as co defedants in an up coming arbitration proceeding early next week.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TX

Complaint narrative:
Equifax continues to be in violation of my rights in reporting inaccurate information. In their response letter they stated information was verified but in order to verify information according to Fair Credit Reporting Act, Section 609 ( a ) 1 ( A ) it is required by law to verify through a signed consumer contract, any and all accounts posted on my credit report. Otherwise anyone paying for reporting services could fax, email in a fraudulent account. 

Equifax and the merchants ( XXXX XXXX, XXXX, XXXX  and XXXX ) has not provided verifiable proof i.e an original consumer contract with my signature on it. Their failure to positively verify these accounts has hurt my ability to obtain credit. Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MO

Complaint narrative:
All three credit bureaus the XXXX XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued immediately.

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 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Enhanced Recovery and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: WA

Complaint narrative:
I HAVE LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: GA

Complaint narrative:
Credit Bureau fails to provide method of verification. On (XX/XX/2021 ) I requested an investigation because I felt the item is not being reported legally according to the fcra. I sent a letter of verification onXX/XX/21. Credit Bureau continues to update with consumer disagrees without addressing the request at hand.

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 2021-09-23 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: GA

Complaint narrative:
Credit Bureau fails to provide method of verification. On (XX/XX/2021 ) I requested an investigation because I felt the item is not being reported legally according to the fcra. I sent a letter of verification on XX/XX/21. Credit Bureau continues to update with consumer disagrees without addressing the request at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: LEXISNEXIS
State: MO

Complaint narrative:
I have a Security and Freeze with Lexus Nexus they shared information with XXXX credit bureau and XXXX credit bureau does not fall into the category of any of the entitled categories allowed to receive information when a security freeze is on your account. in fact while on the phone with Lexis Nexus I was told by XXXX employee ID XXXX verbatim we can not stop the sharing of information with credit bureaus they are not included in security freezes we are not aware of how or when information on a person with a security freeze is obtained. This is a direct violation of information being shared in accordance with who is allowed to get information while a security freeze is in place. credit bureaus are not entitled to information they do not fall into the criteria of employers insurance companies Or others defined on your website. LEXIS-NEXIS as well as XXXX have both refused to provide to me with a written information as to where they received verification of the information that they have placed on my credit report this is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ICSYSTEMS would verify the debt. So I took it upon myself to ask ICSYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with USDOE/GLELSI. I have always made my payments on time. How can this account show the payment status of 90 and 120 days past due when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! This account was transferred or sold to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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:
submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings
State: TX

Complaint narrative:
We stayed in the Apartment ( XXXX XXXX XXXX ) ( not properly walkthrough fixed many things took 3 months ) ) last three years and moved out because of the Roches and vandalism every year ) We have small kids and affecting their health, unhygienic situations because apartment management fails to maintain the property. Last three years of destruction, we lost about a good amount of money ( complaint in XXXX police department ). Agreed to terminate the contract, and we arranged to pay the termination fees of {$2300.00}. When we are moved out, we ask you ; please give a payment plan we can pay off. The Apartment said no, and you will get a final invoice, and you can pay there. After I noticed that they sent to termination fee collection company IQ data international, we are still not getting any final invoice from IQ data global. When they called, I gave credit card. They said they would not take XXXX XXXX. This company was treated very disrespectfully and threatening that if you are not paying the amount, we put information in a credit report, or you will go to jail face the consequences consequence. 

We beg them please give payment plan because of the uncertain situations about the job we request we will pay off within 3 months. they said we can do but regardless we will put this on your credit and you need to get a loan or a high amount to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
The below complaint marked as duplicate when it is in fact not, it was not submitted prior, Should this complaint be marked as duplicate to avoid address, I request CFPB look into this behavior by BMWF. Please see complaint below.. 

The last ACH payment made on my BMWF account was returned for reason ( s ) unknown to me, item does not show presented to my bank, XXXX. There appears to be an error with routing and or account number, I do not have an exact answer for return at this time. The account is now past due for months of XXXX and XXXX, total amount of {$1800.00} I believe. I sent a secure message via BMWF site today, XX/XX/XXXX, advising I scheduled an electronic bill pay in the amount of {$900.00} on XX/XX/XXXX. I plan on making an additional payment the following week on XXXX, the amount of {$400.00}. At this time I wish to clarify if account is still eligible to make ACH payments, due to this last return.. Further, I wish to advise of my payment intentions detailed above

Company response to consumer: Closed with explanation