vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, I was looking at my XXXX XXXX on XX/XX/22 and noticed a big drop in my credit score. I see I have a collections from XXXX XXXX  for {$1600.00}. This company had tried to contact me weird hours in the past and i thought it was spam and explained to them they had the wrong person. They are saying the original creditor was XXXX FOR XXXX XXXX XXXX. This is identity theft or fraud as i never authorized anyone to use my name as I never even had a cable bill in my name. I have attached the credit karma of them in my collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1.DEPT OF EDXXXX 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. 

Please forward me an updated credit report after you have completed your Investigation and corrections.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1.DEPT OF EDXXXX 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. 

Please forward me an updated credit report after you have completed your Investigation and corrections.

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 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
To whom it may concern, I was looking at my XXXX XXXX  on XX/XX/22 and noticed a big drop in my credit score. I see I have a collections from CCS COLLECTIONS for {$1600.00}. This company had tried to contact me weird hours in the past and i thought it was spam and explained to them they had the wrong person. They are saying the original creditor was CCS FOR XXXX XXXXXXXX XXXX. This is identity theft or fraud as i never authorized anyone to use my name as I never even had a cable bill in my name. I have attached the XXXX XXXX of them in my collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602. States that I have a right to privacy 15 U.S.C 1681 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Army and Air Force Exchange Service
State: AE

Complaint narrative:
Military Star Card Exchange had added late payments to my credit report while I was XXXX overseas. I informed them of my XXXX after seeing the late payments and even with proof of overseas they said they were unwilling to do anything. Its causing extra stress and hardship on an already hard XXXX lifestyle.

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 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This account is apart of the Capital One XXXX XXXX. I am a party of the settlement. This information was obtained in the course of the Data Breach by XXXX XXXX. XXXX XXXX is reporting and falsely claiming this credit transaction is a debt due. XXXX XXXX XXXX has provided documentation it may have obtained in the Capital One Data Breach. As this was a Secured Credit Transaction the amount claimed as owed is inaccurate and false. A deposit was required to obtain a extension of credit which was expressed that it covered any failed payments. In light of Capital One 's error to inform me, I made a uniformed decision on when I entered this consumer credit transaction. There is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. Capital One and XXXX XXXX XXXX are in violation of Title 15 Chapter 41, 15 USC 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The amount they asking me to pay is incorrect much & the date is wrong, they called me asking me about the money when I refused she threaten me to share my personal info & she will issue a warrant for my arrest..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX. Letter was sent to Convergent Outsourcing, asking for proof of validation on an account that allegedly claimed to be mine. No proper validation was provided compliant with the laws in place by the FCRA. 

XX/XX/XXXX. Another attempt was made to try to resolve this issue. No response was given. 

XX/XX/XXXX. Another attempt was made. No response. 

The fraudulent account remained. 

Convergent Outsourcing has violated my rights as a consumer by reporting false fraudulent information to credit reporting agencies

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 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This complaint is submitted on behalf of the mortgage borrower by his authorized housing advocate. The borrowers mortgage loan was transferred from XXXX XXXX XXXX XXXX XXXX to Nationstar Mortgage XXXX XXXX Mr. Cooper on XX/XX/2022. The borrower has not received a periodic statement since XX/XX/2022. 

Mr. Cooper representatives advised the borrower that their records reflect that he filed bankruptcy. The borrower informed them that he has NOT filed for bankruptcy. They refused to address the error. Instead, they said the borrower needs to speak to his attorney if he would like to receive periodic statements. 

The borrower believes this error may be a result of an incomplete, inaccurate and unfunctional transfer of his loan between mortgage servicers. This error also raises concerns about fair credit reporting, since the borrower has been making each payment on time despite Mr. Coopers record of the loan being in active bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Merchants Acceptance Corp
State: NC

Complaint narrative:
The company constantly calls me even after payment is made. I have advised that I have made payment with my debit card and they dont stop calling even after XXXX. They call and ask for my social and date of birth when I dont have to release that information. Ive asked for copies of my agreement requested autopay which they say will start in XX/XX/2022 but never did. I make payments on their portal or with a rep. The agent advised me tonight that theyre going to keep calling and it doesnt matter if they got my payment or not. Im being harrassed by merchants acceptance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from XXXX ( XXXX XXXX XXXX XXXX ). I Deposited money with international money transfers apps ( XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started traded with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then XXXX can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXXXXXX XXXX XXXX. Please help me, what should I do to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
I created an account with Square ( aka XXXX, XXXX XXXX Square Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX ), went through the verification process, and linked my business checking account. After several weeks of uninterrupted service, today ( XX/XX/22 ) my account was " deactivated '' without warning or notice. I received an email that this was Square 's " final decision '' and that my funds would be frozen for 90 days. 

I called Square customer support to find out what happened, and they told me they could not give me a reason why the account was suspended. I told them there must be something they could do, given the sudden and inexplicable nature of the suspension, but they refused to give me any more information on why my account was deactivated/ frozen. There was no appeal or review process. 

I am in the middle of my work week and now am completely without a credit card payment processor. I have hundred of dollars of customer invoices/ payments currently frozen in my Square  account that I apparently can not access for three months. I am scrambling to call clients to explain why they can not pay with a credit card at my business. To say this is frustrating is an understatement -- Square has completely left me in the lurch, high-and-dry, and will not so much as provide an explanation as to why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: GA

Complaint narrative:
I submitted this complaint early today and it didnt take. Attached is a letter from XXXX XXXX. This letter proves that the 6 accounts that were dumped into my credit file last month were done in error. This letter proves there was no validation done with the original creditor or those accounts would not have been validated. The ATTACHED letter clearly shows the XXXX accounts I am referring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried several time to inform the credit companies ( Experian, XXXX, & XXXX ) about unauthorized hard inquiries ( 1 ) XXXX XXXX ( XX/XX/2022 ) ( 2 ) XXXX XXXX ( 3 ) XXXX  XXXX. ( 4 ) XXXX XXXX ( XX/XX/2022 ). ( 5 ) XXXX  XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX ( 9 ). XXXX XXXX XXXX  ( 10 ) XXXXXXXX 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 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Ive had this particular credit card for about 3 to 4 months now, although with this being a card I didnt sign up for it was still sent to me anyways. I reached out to XXXX card services on multiple occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Everytime Id call and explain to them and try to understand my billing I have always been given the runaround or them disconnecting my call. Now I can not access my credit card account through their website, even tried to create a new log in and I still am unable to log in to check my balance, due date etc : Im only sent text messages to know when my bill is due or constant calling. 

According to House Joint Resolution 73rd congress. Session 1 chapters 48 & 49 XX/XX/XXXX, XXXX, XXXX H.J.R. 192 1491 Public alas 148 stat 1 confirmed in Perry V. U.S. ( 1935 ) 294 U.S. 330-381,79 LED 912, as well as title 31 United States Code ( USC ) 5112,5118 and 12 USC 95 a.

With 15 USC code section 1666h the credit card issuer may not take any action to offender a cardholders indebtedness arising in connection with a consumer credit transaction under the revenant credit card plan. 

My demand is as the natural person my credit card be paid in full! Under 15 U.S. Code section 1693o-1 and HJR 192.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A section 2 ; it also states consumers reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A section 2 ; it also states consumers reporting agency can not furnish a account without my written instructions

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 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: MD

Complaint narrative:
US Bank offered a cards that would give a cash back of {$200.00} after spending {$1000.00} in 90 days. I spent {$1300.00} then stopped using the card while waiting to see the {$200.00} credit applied. Four months later I did not see the credit and called the bank. I was told the credit wouldn't be applied until the " offer '' ended, which was 1 to 2 months later ( reportedly ). After not seeing the credit, I called the bank two months later and was told there was no such offer, that I was to have spent {$2000.00} in the time period not {$1000.00}, so I wasn't entitled to any credit. I subsequently cancelled the card.

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 2022-09-15 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: IL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-09-15 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}

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 2022-09-15 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NC

Complaint narrative:
I have tried several time to inform the credit companies ( XXXX, XXXX, & TransUnion ) about unauthorized hard inquiries ( 1 ) XXXX XXXX  ( XX/XX/2022 ) ( 2 ) XXXX XXXX ( XXXX ) XXXX  XXXX. ( 4 ) XXXX XXXX ( XX/XX/2022 ). ( 5 ) XXXX XXXX XXXX XXXX XXXX ( 6 ) XXXXXXXX XXXX XXXX ( 7  ) XXXX ( 8 ) XXXX  XXXX XXXX ( 9 ). XXXX XXXX XXXX ( 10 ) 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 explanation