vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX  XXXX Balanced Owed : {$2600.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing , Inc. has been repeatedly calling me for at least a year now as well as sending letters in the mail. 

The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I have also received numerous letters in the mail. I am a XXXX who suffers from XXXX, and these calls cause me constant XXXX to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

Convergent Outsourcing , Inc. has been repetitiously calling me with the intent to annoy and harass me. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit.

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 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I wrote Equifax to file a formal compliant and investigation into a debt place on my credit report by XXXX account # XXXX for the amount of {$550.00}, with a balance of {$500.00}. This is not my account. Unfortunately your response has gone passed the 45 days allotted by CFPB, I have yet to receive a reply from you or any acknowledgment that an investigation has begun. Also, according to FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In my initial letter, I listed my reasons for disputing the information. I have attached my first letter. I demand that you comply with CFPB regulations and FCRA 15 U.S.C 1681i you delete those items mentioned. This may be a result of the Equifax data Breech!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This debt collector IC systems representing XXXX XXXX XXXX is saying i owe {$840.00}, on my XXXX credit report. I do not nor did i ever have an account with them, this person XXXX XXXX XXXX  name was on my credit report and she impersonating me and using my name. i have no debt with this company, and XXXX XXXX XXXXXXXX refuses to speak with me or XXXX to get this off my credit report. 
XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX The original creditor is XXXX XXXX XXXX. 
THis amount is not owed by me, i am a victim of fraud. The investigation by XXXX on XX/XX/2022 came back saying the disputed item is accurate and it is not. 
XXXX XXXX XXXXXXXX  on XXXX XXXX placed {$840.00} on my ( XXXX XXXX ) credit report. 
I want it taken off 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 2022-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX I had a inquiry hit for capital one card I didnt authorized.. XX/XX/XXXX I had another inquiry hit for capital one I didnt authorized I called and tried to get them removed but wasnt successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION CONSUMER SOLUTION XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date ; XX/XX/XXXX Dear Agency. 
This letter is a formal complaint that you are in direct violation of my privacy rights. 

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 respect my rights to privacy. 

Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SS # 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
Consumer complaint received 2022-09-16 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 4. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. Identity Theft XXXX XXXX  Account Number : XXXX Delete this account. 6. Identity Theft XXXX Account Number : XXXX Delete this account. 7. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 8. Identity Theft XXXX Account Number : XXXX Delete this account. 9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 11. Identity Theft XXXX Account Number : XXXX Delete this account. 12. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Delete this account. 13. Identity Theft XXXX  Account Number : XXXX Delete this account. XXXX. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. Identity Theft XXXX Account Number : XXXX Delete this account. 16. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 17. Identity Theft XXXX XXXX  Account Number : XXXX Delete this account. 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : EMPLOYER : 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
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently looked into my credit and found a list of unauthorized inquiries I reached out to the companies and was told to contact the credit bureaus I also filled out an FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 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: Self Financial Inc.
State: KS

Complaint narrative:
I had contacted this company on a separate public forum regarding these fraudulent accounts, yet the response they gave me was less than adequate to say the least. 

I had a Secured Credit Card through them I got years ago, to which I paid off and left it be. This company is not only reporting that I have an outstanding balance of XXXX XXXXXXXX.which I dont..BUT is also stating and sticking by that I have numerous missed payments and the card was charged off.THIS IS COMPLETELY FRAUDULENT ON THEIR WND BECAUSE I HAD THE ENTIRE BALANCE PAID OFF AND NEVER USED IT AGAIN!!!! How would I have missed payments and a charge off with no balance??? If you look at all the other complaints on here you can see this is a normal occurrence for this fraudulent company.THEN THEY SAID I OPENED TWO other credit builder accounts months apart from each other WITH GUESS WHAT??? More late payments showing up.I NEVER OPENED UP NEW ACCOUNTS WITH THEM. I cant stand this company after what they did with my credit card so WHY WOJLD I OPEN NOT ONE BUT XXXXWO NEW ACCOUNTS WITH THEM.!??!!??!!? Then they tried to tell me they have proof that I opened them and that they were used in the vicinity of where I live????? What does that mean???? Someone near me couldnt steal information? And open up fraudulent accounts???? DELETE THESE FRAUDULENT ACCOUNTS IMMEDEIATELY AND PERMANENTLY AND REMOVE THE LATE PAYMENTS AND BALANCE FROM THE CREDIT CARD TRADELINE OR DELETE ALL THREE TRADELINES OF LITIGATION WILL COMMENCE! I am being advised by my attorney to give you all this last chance, I would take it if I were you or face legal reprucussions.!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, there was an unauthorized withdrawal in the amount of {$1800.00} from my chase bank saving account. Reported to chase bank & closed compromised account and created a new saving account immediately. Banker in chase branch promised it wont happen again as the account now set as high alert. On XX/XX/2022, another unauthorized withdrawal in the amount of {$1900.00} from the newly created saving account. Chase bank has a very poor security system which has no protection to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
First communication from company is a settlement offer letter with a list of supposed small balances that add up to a sizeable sum - all from a company I don't recognize. The letter does not contain mandated fdcpa dispute information or rights to dispute. I tried calling a provided number but went to a voicemail. I see no reason to provide information to a company that has failed to provide any information about the origin of this supposed debt, my rights as an alleged debtor, or a mechanism to talk to a person. 

Initiating contact via a settlement offer in the way they have runs afoul of the FDCPA and I ask for a civil penalty to be levied against them to ensure this practice is not continued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: MD

Complaint narrative:
When I pulled my Equifax credit report on XX/XX/2022, I noticed 3 sets of hard inquiries that were reporting duplicate inquiries totaling 6 hard inquiries. I contacted the Bureau and the organizations about the inquiries during the past 2 weeks. The bureau demonstrated an unwillingness to assist. I also contacted the companies and they were not able to direct me to the team that can assist with this issue. I provided information that supported that I have been the victim of ID theft and that there were several attempts to access my credit in the past year plus. The organizations in question are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which pulled my credit 4 times in the past 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX I am fling this complaint because there are several inaccuracies on my credit report regarding the account listed above. Please have the company reinvestigate this and removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : USAA SVG BK Account Number : XXXX Reason : Incorrect late payment Account Name : USAA SVG BK Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history a crossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account Name : XXXX XXXXXXXX Account Number : 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
Consumer complaint received 2022-09-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account Name : XXXX XXXXXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: IN

Complaint narrative:
I emailed this company 50 or more different times. I wanted to pay this loan off in total before the due dates I went on the app and it would not let me payoff or make a payment of any sort. I tried 5 different banks 30 different times and the app had a error code I emailed asking whats going on they instructed me to click a link I did another error code I asked for a phone number 40 times they said they dont have one I became frustrated because this is as a month and half long email process back and forth, the end of XX/XX/2022 they finally emailed me saying I could pay by money order I ask where and who I make payable to the first of XX/XX/2022 they send me how. I sent full payment. They marked my payments late on my report and I told them from beginning I dispute the fact that its late due to out of my control and there app wouldnt not allow me. They said theyll fix it and note the account they did not and marked me down as late 2 payments. I have all communications between them and screen shots of app error code trying to pay loan off on time before time is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am trying to get it removed off my credit I am XXXX on XXXX I dont have the money to pay the loan it will take me a lifetime and I will be XXXX and gone and still off I can not pay this so I asked the company can they please remove it off my credit they will not remove it I am struggling its a lot of pressure on me and my finances please please remove off my credit thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history a crossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this

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 2022-09-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history a crossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this

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