vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 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: TN

Complaint narrative:
I recently ordered my consumer report from XXXX. Upon arrival, I noticed that Experian has placed a total of 24 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 24 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave Experian my written permission to furnish any of those 24 items on my consumer report. As a consumer, I am demanding that all 24 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to Experian. I have proof of when they received the documents. 

1. The request to block was not made in error. 
2. The request to block was not based on material misrepresentation. 
3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions. 

Please be aware that I am very familiar with the FCRA laws that govern Experian and the rest of the consumer reporting agencies. I know that Experian is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.

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 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-21 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: CA

Complaint narrative:
I have try fixing this problem but I have had no luck. Back in XXXX I submitted disputes with all three bureaus. XXXX did their job the two other have not. The dispute that is still on my report is XXXX XXXX XXXX XXXX. This is over 7 years old and needs to be remove from my report. I was under the impression that they automatically come off in 7 years was not aware that I would have to fight so much to have this remove. Not only did I send one but I sent two and still nothing is done. I hoping you can help me this and get this item remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Last month ( XX/XX/2021 ) I submitted a complaint with the CFPB concerning a promotional fee problem connected with my Chase Bank Sapphire Reserve credit card ending in XXXX. Chase Bank responded in a very timely manner and I thought the problem had been resolved. Chase Bank did not live up to their " No Fee '' promotion on their " My Chase Plan '' zero fee promotion that ended on XX/XX/2021 for major purchases. I made a purchase of over {$6700.00} ( XX/XX/2021 ) that was within the framework of the zero fee promotional period. Today ( Thursday XX/XX/2021 ) I see on the Chase Bank website that I again was charged {$27.00} ( a monthly FEE ) for that major purchase. When I called to dispute the charge I was told that the " {$27.00} refunded last month was only a one-time conciliatory refund, NOT ongoing for the remaining 11 monthly payments. '' That was a contradiction to what I was told 3 weeks ago when Chase contacted me after hearing from the CFPB. Bottom line : Chase Bank has reneged on their No Fee promotion and has done a 180 on what I was told during a conversation with " my advocate '' almost 3 weeks ago. Shame on them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 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: NJ

Complaint narrative:
The company reported that I did not pay my payment in XX/XX/XXXX Which I have proof that I did. It also states that it was part of my bankruptcy which it was not. I have been paying on the car. Lease is up in XX/XX/XXXX. Now the company states that I did not pay XX/XX/XXXX bill. Which I did and have proof that I did. They put a negative payment on my credit report. Reported this to company and credit report but it is not getting 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
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I was XXXX XXXX XXXX XXXX  in XXXX. I cancelled my phone bill with XXXX XXXX XXXX XX/XX/2018, last date of service XXXX. Two years ago a Debt collector reached out to me saying I owed XXXX dollars for my phone bill. XXXX XXXX did not cancel my plan and continued to charge me for 6 months. I have submitted documents to the debt collector, and they will not drop the debt. I then submitted a complaint about the debt collector through the CFPB, but because the debt collector is a smaller agency, they were not required to respond. I submitted paper work to TransUnion trying to remove the debt from my credit however even after submitting ample poof that this debt is not owed, TransUnion refused to remove the debt from 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 2021-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX across the United States defrauded the students and the system. XXXX XXXX XXXX filed for bankruptcy due to these and many more fraudulent acts. 

I too recently have filed to bankruptcy and the lawyer stated this should be dismissed by the current President. This should automatically be discharged as they have for more than XXXX other defrauded and deceived students. 

It did not help that 4 days after my lawyer officially file my bankruptcy papers that someone representing Great Lakes called and harassed me about making payments starting the month of XX/XX/2021. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently ordered my consumer report from annualcreditreport.com. Upon arrival, I noticed that TransUnion has placed a total of 25 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 25 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave TransUnion my written permission to furnish any of those 25 items on my consumer report. As a consumer, I am demanding that all 25 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to TransUnion. I have proof of when they received the documents.

1. The request to block was not made in error.

2. The request to block was not based on material misrepresentation.

3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions.

Please be aware that I am very familiar with the FCRA laws that govern TransUnion and the rest of the consumer reporting agencies. I know that TransUnion is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.

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 2021-10-21 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: AES/PHEAA
State: NJ

Complaint narrative:
XXXX is in violation of the law and inaccurately reporting items from my credit report. I already sent them disputes since XXXX but still there were no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently ordered my consumer report from annualcreditreport.com. Upon arrival, I noticed that Equifax has placed a total of 25 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 25 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave Equifax my written permission to furnish any of those 25 items on my consumer report. As a consumer, I am demanding that all 25 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to Equifax. I have proof of when they received the documents.

1. The request to block was not made in error.

2. The request to block was not based on material misrepresentation.

3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions.

Please be aware that I am very familiar with the FCRA laws that govern Equifax and the rest of the consumer reporting agencies. I know that Equifax is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
Acima credit has placed an account on my credit report that is not mine it is from a furniture company the furniture was delivered to an address that is not mine nor have I ever lived there I had previously had an account with Acima that I paid in full this address is now on my credit report since this happen I have asked for it to be removed and also the collection and late payments.aAnd when I notified Acima for info on the store I was told it was gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I tried to sign up for alarm service with XXXX XXXX XXXX in XX/XX/2021. In the process XXXX advised that equipment will be {$1500.00} and will be financed by their " XXXX XXXX  '' Affirm. When we finalized the service arrangement, XXXX advised that it would take them 2 months to provide service and install equipment. I immediately cancelled service and received a XXXX airbill to return the equipment back to XXXX ( when it would arrive ). That equipment was returned via XXXX. I was assured that service would be cancelled and equipment refunded. BUT, XXXX home security did not refund the money back to their " inhouse '' lender Affirm and Affirm started collecting now {$2100.00} for money which is owed to them. I tried to contact with XXXX home security multiple times but they did not respond. Affirm did not respond to my inquiries either. 
I do not owe any money, as I did not keep any equipment and did not receive any service. 
PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Global Collections, Like many, at the onset of COVID-19, I was let go from my place of employment. We are barely able to keep a roof over our heads, food on the table, and keep essential utilities connected. 

1 ) American Express sent me several emails offering varied methods to pay off my remaining debt, and I responded. My first response email stated I wanted to take advantage of said offers. I informed American Express Global Collections that I am unemployed, actively looking for work, and scheduled two interviews, indicating the companies. The following email I received from American Express Global Collections was that they had received my email and have forwarded my email to a specific department ( the name of the particular department was not provided in the email ). I never heard back from the unnamed specific department American Express Global Collections had forwarded my email. 

2 ) A few weeks later, I received another email from American Express Global Collections. They were again informing me of the same repayment options that were mentioned in their first email. However, this time, I had accepted a job offer with XXXX, but I did not start my new position of XXXX XXXX XXXX  XXXX XXXX position until XXXX. I sent American Express Global Collections a response email, indicating precisely what I stated above in this complaint - informing American Express Global Collections that I do not start my new job until XXXX. After I receive my first paycheck, I will pay off the account in Full ( one lump sum ). American Express Global Collections responded to an email, saying the same thing as mentioned in number one ( 1 ) of my complaint- stating they will forward my newest email to the same unnamed department within American Express and follow up with me. Again, the unknown department within American Express did not reach out to me. 

3 ) Shortly after the second set of emails with American Express Global Collections, they sent another email - unrelated to the two previous sets of emails mentioned in number one ( 1 ) and number two ( 2 ) of my complaint. The third email from American Express Global Collections informed me that my account had been assigned a Debt Collection company called XXXX XXXX XXXX XXXX ( XXXX ). 

4 ) XXXX XXXX XXXX XXXX ( XXXX ) sent me an email today, XX/XX/XXXX, at XXXX XXXX, attempting to collect the said debt. 

I don't understand why American Express Global Collections sent my account to a third-party debt collector when it was evident that I would be paying off my debt in Full, in One Lump Sum, as a XXXX XXXX XXXX XXXX XXXX  after my first paycheck with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. I never had any medical services from XXXX XXXX or ever authorized to use my personal information. This have caused me great damage and embarrassment also with emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX I received a lot of mail and text messages about owing money to an account that was from XX/XX/2020. Im just worried about my information being leaked cause its been difficult purchasing a car or try to get my credit score higher. I just need help thank you

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