vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 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: GreenSky, LLC
State: TX

Complaint narrative:
This is a formal complaint against Green Sky LLC located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA XXXX XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, Green Sky XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMCB CARD added new hard inquery and lower my score by three points, I didnt do this hard inquery, i was shopping at a XXXX and they always say get XXXX XXXX off if you get to apply for their credit card, for me i look at it as if someone at the mall get discount if you get approaved but JPMCB CARD which i never read there name becuase i was at XXXX, immediately missed my credit score with three points where at a XXXX the result was wait a week or more so i never asked or allow this JPMCB CARD to publish on my credit report, I didnt apply or read the credit card name. 
you can try to shop at XXXX and see how your shopping card comes out XXXX XXXX  less if you qualify for their credit card its like huge discount XXXX XXXX any body would click on it so why three credit score is down without giving the discount of XXXX XXXX 
its like they hunt not giving discounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is a formal complaint against Portfolio Recovery Solutions located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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.

Complaint narrative:
Dear Team, Here below in brief my complaint against TransUnion : 1- Yesterday XX/XX/XXXX I applied for credit score and report for free as I read online through Government of XXXX website ( we can get free our credit & Score report ) 2- When I applied online through TransUnion website XXXX nothing says that I will be charged XXXX $ 3- I received email yesterday and my cc was charged XXXX $ and it says this is a membership and it will be charged every month. 
4- I called customer service line of Transunion todaXX/XX/XXXXat XXXX and they say nothing can be done to you and we have no complaint department, for me this is rude and unacceptable from big company not to have manager on duty or complaint department. Moreover, after the customer service feel my frustration, they told this is a membership and can help you to not charge you in the future. 
XXXX I felt I am cheated and not about XXXX $ but the principle behind it I appreciate your help to raise this complaint and I am asking to refund the XXXX $ Thank you Kind regards 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 monetary relief
Consumer complaint received 2021-05-31 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: FL

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! 


I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with WAKEFIELD AND ASSOCIATES with a balance of {$1200.00} and an original creditor of XXXX XXXX XXXX This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: PA

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
AMSHER COLLECTION SERV Has been harassing me over a debt that I have no knowledge of and for which they have no Contract with me for. I have desputed this through the XXXX  reporting agencies but proof has not been given and they are still calling insesently and negatively reporting to the bureaus. AMSHER COLLECTION SERV must produce proof ( A signed Contract between Myself and their organization ) or desist from any reporting or attempt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
After receiving a checking account packet and credit card in my mail on XX/XX/2021, I immediately contacted the bank where these items were from and explained that a fraudulent account was opened using my personal information. After speaking with three persons and spending an exuberant amount of time on the phone, I received no confirmation the account was actually cancelled. I asked for a confirmation number and was told they didnt have one to give me. I asked about sending a confirmation to my email and was told I wouldnt receive that either. I explained that other forms of fraudulent activity were taking place against me and that someone has already tried to file a fraudulent unemployment claim with my employer. I stressed that I need some confirmation the accounts have been cancelled and was told that they would send it to their XXXX XXXX XXXX XXXX department but I probably would not hear from anyone! I have not been a XXXX XXXX in over 7 years! The number they claim they tried to contact me at is not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31 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: FL

Complaint narrative:
I am XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about deleting my information, then putting it back on my credit file. They are in violation of 15 US Code 1681 ( i ) ( b ) ( ii ). I did not receive any notice in writing within the 5 business days after the date of the reinsertion. It was deleted then reinserted back the same day. Then I wrote a letter expressing how it was wrong to reinsert information on your credit file without notice. I never got a responds. Section 611 ( a ), it is expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 76 days so they need to deleted this promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
I contacted the number listed on the text message sent to me and they didnt have the correct amount I owed on that credit card. They were rushed and didnt sound professional at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
I opened this loan on XX/XX/XXXX. The payments were high and the interest rate was astronomical. When the pandemic hit I tried to get a reduced interest rate, but to no avail. This loan is illegal in the State of Florida where I live. The last payment I made was on XX/XX/XXXX. This predatory loan should be erased from my credit report. It shows as a bad debt when in fact they are an illegal company charging almost 200 % interest and a 5 % loan origination fee. I want the entire debt erased and all information about this loan removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I called Apple this morning and let them know I did not open the card. I was receiving calls for a week and assumed it was spam, come to find out someone had opened an Apple Card with all of my info. They let me know my social security number was required to open the account and let me know I needed to contact this site. 

There were some charges in XXXX Ohio. One for XXXX dollar XXXX XXXX and XXXX dollar XXXX XXXX XXXX charge. 

Goldman Sacks Bank USA has currently frozen the account and let me know to contact you all so that all fraud can be tracked on the account opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened this card ( Comenity-Victoria 's Secret ) in XXXX of XXXX. I have been on time with all my mailed payments each month. All of the sudden this year they claim I have been late even though I've been mailing them at least 5 days before due date like I always do. They have charged me {$99.00} in late fees this year. XX/XX/XXXX = {$29.00}, XX/XX/XXXX = {$35.00}, and XX/XX/XXXX = {$35.00}. I don't think i should have to pay these since its not my fault I mailed them on time. I should'nt have to guess how long it will take for them to process it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31 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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

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 2021-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I told XXXX I couldn't pay my bill as the XXXX  service did not work where I live. No Internet service at my lot I'm renting. Internet service provider took away service after many attempts to fix Internet issues. I called XXXX and finally got ahold of a guy that said he could help if I just PAID {$6.00} a month for 9 months. That's exactly what I did. The next thing I get is phone calls from Convergent wanting an early termination fee of over {$500.00}. If I can't pay my bill, how could they get over {$500.00} from me. I got calls from Convergent all the time, so I blocked them. Now I have a stain on my EXCELLENT CREDIT score and I want it removed. My score dropped XXXX points because of XXXX XXXX said they couldn't do that. I told them to read their notes. XXXX sent me a return box for their TV box for the house and I sent it back. That was a couple months ago.

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 2021-05-31 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with WAKEFIELD AND ASSOCIATES with a balance of {$830.00} and an original creditor of XXXX XXXX EMERGENCY. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.

Company response to consumer: Closed with explanation