vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Once again it's XXXX XXXX XXXX. This time it's their cabe company, XXXX. For reference this is the last complaint I filed ( XXXX ). Similar to that complaint it also involves returning equipment. This may be a sign of a pattern of abuse, or just gross incompetence. Either way it's harmful and extremely annoying to anyone with as high a credit score as mine, XXXX. 

I cancelled this service ( XXXX ). On three different occasions I was told that they did not want the equipment back because it was obsolete. There are recorded phone conversations and confirmation numbers for each instruction not to return the equipment, so ultimately, after the third time I felt safe enough to discard it, so I did. Then, lo and behold, the harassment resumes once again.

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 2021-10-11 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: NJ

Complaint narrative:
I noticed a few inquiries on my report that I do not recognize

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 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: TX

Complaint narrative:
Did a pre approval application on the Discover It card & this counted as a hard inquiry against my credit score. Im in the process of repairing my credit & was looking for an additional line of credit to add to my profile, this was not supposed to be a hard pull per the website because it used the last 4 of my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Klarna AB
State: WA

Complaint narrative:
On XX/XX/XXXX, I tried to use Klarna to buy a product from XXXX XXXX XXXX. Klarna advertises themselves as XXXX with only soft inquiries. However after I tried to make the purchase I got a hard inquiry on my credit report. At no point in time during the process they mentioned anything about a " hard '' inquiry, they used the term credit verification which is very misleading noting the very " clear '' marketing and advertising that they only pull soft inquiries. I tried to dispute with the company but they said it was written in the terms and conditions, and when I asked for a copy where it says hard inquiry they failed to provide one. 

Here 's a copy of their website. 
https : //www.klarna.com/us/customer-service/klarna-perform-credit-check/ During the check our process they had a small note that says " we will do a credit verification '' which is again very misleading as they don't intentionally use the word soft or hard when they are clear that they do soft verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

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

4. Identity Theft XXXX XXXX Account XXXX XXXX XXXX This is not mine.

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 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: IL

Complaint narrative:
They send me emails every other week or month about the debt owed. Numerous phone calls, theyve said you can be sued, impact credit if you dont pay now, you cant make a payment plan it has to be paid in full

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 2021-10-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This account was opened without my knowledge with me as an authorized user. Its opening directly affected my credit score by -30 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I got a copy of my credit report. I wanted to dispute an account in collections i didn't know I had. When I got my results, back one of the bureaus couldn't verify so they deleted it from my credit report. The other bureau ( XXXX ) some how updated all the information as current and even my last payment made was updated to XXXX of XXXX. I've never been in contact with this company, I never made a payment and never spoke with anyone. I wrote to the bureau and asked to verify and validate the account and they never responded. Instead, they claimed to verify but never sent me any proof or any notice. Instead, I was sent a judgement from a court which I never even received a summons for. To top it off, the judgment was sent to my daughters apartment, not mine. They never sent me a validation letter, and didn't include any type of license numbers on any of these letters. I also wrote the bureau a new letter to provide me proof of last payment that they are saying I made and how they verified the account without showing me proof, showing me a contract that was signed by myself. Also, the amount on my credit report that they are saying I owe doesn't even match the amount owed in the garnishment letter. I want to sue this company on these false accusations and need help with going about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Hello I am the owner of a XXXX  XXXX  that uses a Bank of America Joint Personal Account with my wife to do business with. Last year during the pandemic I had received a XXXX from the SBA for XXXX. This year my business qualified for the Supplemental Advance and the Targeted Advance totaling XXXX. After receiving these funds XX/XX/21 we began to buy the things we needed. Now we are based in XXXX but we were in the process of moving to XXXX so at that time all the transactions were taking place in XXXX. This was a red flag for Bank of America so they froze our account. After verifying our identity and calling several times per transaction to get our cards unlocked several times, On XX/XX/21 Bank of America proceeded to still closed the account even though we verified our identity and had our account unlocked. After all of this Bank of America issued us a letter stating " At this time, any remaining balance won't be returned to you. As permitted under our Deposit agreement, we've frozen the funds while we review the transactions and validate the source of the funds. '' it has been over 60 days and they have not issue a cashiers check to us for the remaining XXXX. As I said I am a Sole Proprietor and my business uses my social as its EIN so my identity shouldn't have been a problem, I was on the Joint account, I had a card, my previous deposit was approved and it is a federal grant that has processed 2 times before, I don't understand why they have not released my funds to me. Please Help I don't know what to do at this point, Bank of America refuses to give me any solutions or 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 2021-10-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 a collection from XXXX in the amount of {$460.00} was reported n my Equifax report. I reached out to Equifax to dispute the account being reported. I was advised to reach out to the creditor ; I then spoke with the collection company who then advised me to speak with the creditor of which I did who couldn't provide me with proper identification that the account was validated to be mines and to reach out to the credit reporting agency Equifax. I reached back out to Equifax who advised me to file a FTC report. I have filed a FTC report, I have then reached back out to Equifax on severals times to check the status of the disputes. They will advise me to file a new FTC report to reflect different things. On XX/XX/2021 I contacted Equifax again and the rep stated that because I didn't put a period on one of the sentences that they wouldn't accept it. I then updated the FTC report and faxed over. I contacted Equifax on XX/XX/XXXX, XXXXand the rep told me she sees all the required documents they requested and that they mishandled the information and unfortunately she couldn't remove the information off my report. I then reached back out to the same day and spoke with the Supervisor XXXX who then stated the samething and advised me to update my FTC to reflect the account number of the collection. I advised him that his issue has been an ongoing situation and I needed this to be rectified asap. I updated my FTC report to reflect everything that was advised to do but Equifax has filed to properly handled my file.They had prolonged the investigation of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TN

Complaint narrative:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
upon checking my credit i see i have fraudulent accounts on report. i reach out to have problem fixed but didn't get any help

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 2021-10-11 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TN

Complaint narrative:
This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2021-10-11 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: AES/PHEAA
State: CO

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I formally request the removal of late payment from this record. I don't think I was late in the months reporting. 90 and 120 days overdue which is actually published on my credit report appears inaccurate and or misleading. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : FEDLOAN SERVICING**** Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed FEDLOAN SERVICINGXXXX Opened XXXX XXXX, XXXXBalance {$0.00} Late Closed FEDLOAN SERVICING*XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed FEDLOAN SERVICING**** Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed FEDLOAN SERVICING*XXXX Opened XXXX XXXX, XXXXBalance {$0.00} Late Closed FEDLOAN SERVICING*XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 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: FirstPoint Collection Resources
State: DE

Complaint narrative:
Pursuant 15 usc 1681 ( a ) ( 4 ) i am a consumer of this federal corporation. My federally protected rights have been violated. I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH FIRST POINT COLLECTION SOURCES WHICH IS A VIOLATION OF 15 usc 1692e. NOR HAVE I GIVEN WRITTEN CONSENT FOR THIS ITEM TO BE FURNISHED ON MY CONSUMER REPORTS. WITHOUT MY WRITTEN OR ORAL CONSENT ANY COLLECTION OF A DEBT ON MY CONSUMER REPORT IS A VIOLATION OF 15 usc 1681b. EACH VIOLATION IS PURSUANT WITH 15 usc 1692 K, WITH EACH VIOLATION BEING WORTH {$1000.00} EACH OR 1 PERCENT OF THE COMPANIES WORTH. I DEMAND THESE ITEMS BE REMOVED FROM MY CONSUMER REPORTS OR PAY ME {$1000.00} FOR EVERY MINUTE THAT ITS BEEN ON MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had applied for Covid relief during the pandemic because I was unable to work as a XXXX. I restarted my monthly payments and they didn't post a late fee on my account until XX/XX/2021. They have been charging a late fee ever since I applied for relief on my account. I would like for them to freeze this account until this issue is resolved. I do not want late fees to accrue, or for it to affect my credit score. PNC has been charging me late fees ever since I applied for Covid relief with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CO

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on I.Q. DATA INTERNATIONAL which openedXX/XX/2020 ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wrote to the bureaus to dispute a debt that was not owed by me. One bureau deleted it from my credit report, but transunion continued to report it. I asked to verify debt, and send me proof. They did not respond to me, but instead updated my credit report saying it was verified and updated last reported activity and reporting the wrong amount owed from what the collection agency sent me.

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