vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: PA

Complaint narrative:
Equifax has me locked out their credit reporting site because a XXXX didn't like my English and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the Indians from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section 604, 609, 611 and 623. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: MS

Complaint narrative:
I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.

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 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021 I transferred {$3200.00} from my chase bank account to my recipient 's bank account in order to secure an apartment. The transfer was an international wire transfer from the US to XXXX. The amount was debited from my account and as of XX/XX/XXXX, the recipient has not received the funds. 

I have followed up with chase bank and they state they are unable to trace the funds and the wire transfer has been completed on their end. I have called on numerous occasions and visited the physical bank and chase has not been able to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
My company XXXX XXXX XXXX had a judgement against it XX/XX/2018. I have paid the plaintiff and he signed a release of judgment that was filed with the court. I reached out to XXXX XXXX XXXX and the credit bureaus to update their reporting according to the judgment being fulfilled and sent them copies that were stamped by the judge. They have failed to update their information against XXXX XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Debt validation letter XX/XX/XXXX Name : XXXX Address : XXXX XXXX XXXXXXXX XXXX PA, XXXX Company name : Credit Collection service Company address : XXXXXXXX XXXX XXXXXXXX XXXX, MA XXXX RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Individual action of the Fair Debt Collection Practices Act and Defamation of Character.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
these accounts don't belong to me. please remove accounts 1. Identity Theft XXXX XXXX Date of Inquiry : XXXXXXXX XXXX  This is not mine. 

2. Identity Theft XXXX Date of Inquiry : XXXX XXXX  This is not mine. 

3. Identity Theft CONSUMER PORTFOLIO S Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX Date of Inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
This complaint is about Sunrise Credit Services Inc, XXXX XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX. 

In XXXX of this year the above-named collections agency started reporting derogatory collections information on my credit files to XXXX XXXX without prior contact with me. Upon receiving alerts by credit monitoring services about this negative information I contacted Sunrise Credit Services Inc. in writing via USPS certified letter/return receipt ( signed for XX/XX/2021 ) disputing the debt and requesting no telephone contact. In return Sunrise Credit Services Inc provided me with a generic bill for TV and Internet services from XXXX XXXX XXXX with a similar name to mine and a service address in the state of Texas. Please note the following : I have not done any business with XXXX XXXX XXXX, ever! I do not have any family, friends or ties in the state of Texas where this service address is located. I do not have any indication at this point that I am the victim of identity theft. The name on the bill although similar it is not exactly mine. The address where these services were provided it is not nor has it ever been associated with me in any way. It is the Collections Agencies themselves who report the address on the delinquent account to the credit bureaus so it comes up as verified when disputed. Since receiving my letter, Sunrise Credit Services Inc. has escalated their efforts to report negative information to my credit file now to all three major credit bureaus. Sunrise Credit Services Inc has made no mention on my credit file of my dispute and has made several calls to my mobile number in clear violation of the FDCPA. A similar name should not be evidence for anyone to ruin a more than 15 years old spotless credit file like mine. I hereby challenge Sunrise Credit Services Inc or XXXX XXXX XXXX to produce proof that this debt belongs to me. In the absence of proof which is 100 % the case I demand Sunrise Credit Services Inc to stop reporting and delete all derogatory collections information regarding this debt on my credit files.

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 2021-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
They closed the account and saying I still owe when on the back of the contract it states my obligations were secured with a security interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( Original Creditor : ) Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$510.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: MS

Complaint narrative:
I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: MS

Complaint narrative:
I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.

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 2021-07-01 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, there was a hard credit inquiry pulled that I did not authorize. I have contacted the company by phone and because I do not have an account with the company I have not been able to speak with a representative to inquire about the hard inquiry that was pulled without my permission or authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Kohls charge, I asked to be on Covarid miss payment. For XXXX, customer service said okay that if I needed next month to call back. 
Received statement, they charged my account with a fee and now have to pay {$90.00}. Instead of {$31.00}. I asked for hardship program, they stated the payment would be {$45.00}. For 25 months. Plan on paying account off next year. My husband and I are trying, but my last day of work was XX/XX/2020. I am not collecting unemployment. 
I have worked with most of our other creditors, There are 2 others I can't seem to get help from either. 

XXXX XXXX and XXXX 's appliance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have tried on NUMEROUS occasions to get Capital One to give me a credit line increase. My credit limit is still {$500.00}, the same since I got the card. I have a very good credit score, and XXXX XXXX who's card I got after Capital One ) has given me a {$7500.00} credit limit and regularly approves increases. 

Capital One sends an automated letter stating " recent use has been too low ''. I pay all my bills early or on time, and this is a lame excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$7500.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9100.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$6100.00} 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 2021-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc.
State: NV

Complaint narrative:
This started back XX/XX/2021. 

Tried to keep payments up. Asked to refinance. 

They stated they have sent it, no no they didn't. 

By email or mail. 

Then finally received paperwork XXXX in mail, sent back to an address which wasn't any good. 
XXXX XXXX XXXX XXXX, Tx XXXX. 
In the mean time sent payments is XXXX??. 
Stop sending payments in XXXX and XXXX. Will keep payments in a savings account until. They comply with a reasonable refinance. 

Now, refinance is no good because has gone. 

I am at my ends with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revco Management, LLC
State: NC

Complaint narrative:
Revco Solutions have been calling nonstop every single day regardless of the time. Ive asked them how they got my number but refuse to tell me. Furthermore, theyre sending illegal mail stating I owe a debt. How can I owe someone I dont know? How can pay something in a positive balance? I want the harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I initiated communication between my self and Convergent Outsourcing on or around XX/XX/XXXX I do not have the letter but I will attach the letter I received in response which is labeled " FIRST RESPONCE '' which is dated XX/XX/XXXX, In their response letter they claim I owe {$1100.00} yet the bill they sent me states I owe {$1300.00}. 

I then responded with another letter sent on or around XX/XX/XXXX which I have attached labeled " 2nd LETTER '', where you will read my stance on them trying to collect on a debt that they can not nor will not validate properly. 

I then received a second response around XX/XX/XXXX which is identical to their first response which I have attached labeled " 2nd RESPONSE ''. In this letter they state I owe {$1100.00} yet they have attached a bill that states I owe {$1300.00}. 

I sent a 3rd letter on our around XXXX which is labeled 3rd LETTER in which I explained the amount owed vs the amount they claim is owed is incorrect, and a few other questions they refused to acknowledge or answer from the first two letters.

I have not received any response after my 3rd letter.

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 2021-07-01 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XX/XX/XXXXhas decreased my credit score 52 points in 2 months. The XXXX score update was decreased 26 points after simply settling an old charge-off account. The score update on XX/XX/2021 has also decreased 26 points after XXXX  recently completed a dispute investigation I filed a months ago. The account in question is Chrysler Capital for an auto loan. XXXX  credit report states that the reason for the decrease was a RECENT late payment. I have not had a late payment reported in nearly 4/5 years. It is very concerning that XXXX  can continue to post inaccurate information on my credit report, and nothing is done to make them stop, or at least correct the issue. There is no justifiable reason that Paying and settling an account should result in the 52 point decrease in my credit score. Consequently, I am more concerned with the inaccurate information they are reporting. I simply do not have any recent late or derogatory accounts. 

XXXX  will not let me dispute this error because they just updated the information incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: MD

Complaint narrative:
Good evening, I am sending this method of complaint due to XXXX, Transunion, and XXXX  are not complying with my dispute request. I have sent a letter on XX/XX/XXXX and XXXX XXXX. I have informed them that my first initial dispute was sent on XX/XX/XXXX and my second initial to demand and comply was sent on XX/XX/XXXX. I have yet to have this matter resolved.

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