vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 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: Advanced Resolution Services Inc.
State: CO

Complaint narrative:
Received a letter from an unrecognized consumer reporting agency named Advanced Resolution Services notifying me of changes to information they provide about me to financial institutions. The letter goes on to say i can request a copy of these changes to their report but requests things like my social security number, copy of my drivers license or passport, and signature among other personally identifiable information. I did not contact this company. Tried to look them up but there is no information on the internet other than similar complaints/ issues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been paying for charges that i didnt performed on this card for almost a year. 
i want this report so i an escalate this to the next level. since i didnt performed this charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
ALL 4 CREDIT BUREAUS ARE FALSELY REPORTING ISAC, XXXX XXXX REMOVED DO TO SOL EXPIRED, ON XX/XX/2019 WAS SOLD TO TRANSWORLD SYSTEMS AND OWNS DEBT AND CEASE COLLECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
This is not my debt I never had any account with XXXX XXXX. They tried this before under a different name and the dispute was fixed. Now its back with a different collection company. I need this fixed soon once and for all. 
XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out to the XXXX XXXX XXXX Georgia to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.

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 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email saying that my account with USAA was closed. I contacted them dip try to find out why because I receive direct apposite of my SSD and it was due in three days. They informed me that oh well didnt matter I receive a check in 20 days I told them that I need my money sooner than that I have to pay my bills I have to buy medication and I have to feed my kids I was instructed that there is nothing they can do I got transferred to another young lady she said that I can open up another account and the funds can be deposited there I was like a fine then a guy got on the phone and said That cant happen. So I took it to social media finding out that this company has done this to many more people so they were banning together to do a lawsuit I contacted them again they contacted me I spoke with the guy named XXXX he told me that it will be expedited on Thursday and I should have it so I can you know do whats needed. the call got disconnected he never tried to reach back out I called them again he told his team member to tell me itll be 10 days for them to review a deposit that theyve been getting for over 5 years and then cut me a check and then XXXX XXXX it out so I would not receive a check until around XX/XX/XXXX. How am I supposed to buy medications for my XXXX XXXX waiting into the XX/XX/XXXX or buy food

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
National Credit Systems # XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX, XXXX ) reports that " ORIGINAL CREDITOR '' = XXXX XXXX XXXX, turned over a {$3000.00} amount on XX/XX/2015. 

I NEVER LIVED AT THE XXXX XXXX XXXX. I want this account removed from all my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i was charged for thing that i didn't do i was still paying the card since my mother had a copy and my wife sometimes used my cards. 
i log in to my account and make payment sometimes because of the annoying and low credit limit on my account and sometimes my kids log in by mistake with face id in my cellphone. 
i didn't authorized or do any of the charges that i reported.

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THE INFORMATION BEING REPORTED IS INACCURATE AND REPORTING IT IS A VIOLATION OF THE FCRA

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion ( date issued XXXX file # XXXX ) has violated the FCRA by reinserting XXXX XXXX XXXX XXXX XXXX XXXX back onto my credit report without the 5-day notice. 

I was not notified as a consumer with a written notification within the 5 business days. This is against the FCRA. 

XXXX and XXXX as well

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 2019-10-29 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i have been paying for a charge that i didnt do i want this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THE INFORMATION BEING REPORTED IS INACCURATE AND REPORTING IT IS A VIOLATION OF THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: AR

Complaint narrative:
ALL 4 CREDIT BUREAUS ARE FALSELY REPORTING XXXX, XXXX XXXX REMOVED DO TO SOL EXPIRED, ON XX/XX/2019 WAS SOLD TO XXXX XXXX AND OWNS DEBT AND CEASE COLLECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: Innovis
State: AR

Complaint narrative:
ALL 4 CREDIT BUREAUS ARE FALSELY REPORTING XXXX, XXXX XXXX REMOVED DO TO SOL EXPIRED, ON XX/XX/2019 WAS SOLD TO XXXX XXXX AND OWNS DEBT AND CEASE COLLECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I got an impostor scam. He Sent me a spoofed Email, pretending to be a senior pastor from our Church. He told me to get XXXX cards for XXXX women at our Church. He said that he cant go to stores because he is in a meeting and cant use his cell. He needs give cards immediately and give him cords on the back of the cards. He told me to scratch on the back of the cards to get those cords. He told me to save the actual gift cards. I did all that he told me to do, believing that it is our senior pastor. I gave {$1200.00} worth of XXXX cards cords. At the end of the day, I received another email from a scammer to get {$300.00} more. I found out that it was not our pastor after giving him a phone call. I immediately contacted to my credit card company to ask for help. They have set a dispute. But they told me that I may not be able to get my money back even though they have set a dispute because I actually went to the stores to get those cards and a scammer already got the card cords. 
I asked them to submit a claim to fraud department, but they told me that my case doesnt fit to the regulation, so I couldnt. Basically I have been told that I have to give up and pay. 
I have saved all the Emails from a scammer and ready to submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX ( date issued XXXX file # XXXX ) has violated the FCRA by reinserting XXXX XXXX XXXX XXXX XXXX XXXX back onto my credit report without the 5-day notice.

I was not notified as a consumer with a written notification within the 5 business days. This is against the FCRA. 

Experian and XXXX as well

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reached out to the XXXX XXXX of Georgia to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.

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 2019-10-29 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: GA

Complaint narrative:
I reached out to the XXXX XXXX XXXX XXXX to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: NY

Complaint narrative:
Experian is currently reporting XXXX  XXXX and XXXX  as verified and updated. While account is reporting as a reaged account. The opening date of XX/XX/2019 is not only inaccurate but also a violation.

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 2019-10-29 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: AZ

Complaint narrative:
This company ( XXXX XXXX ) Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is  statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

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 2019-10-29 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: AZ

Complaint narrative:
This company ( XXXX XXXX ) Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given  name ( XXXX XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This company XXXX XXXX XXXX XXXX Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXXXXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

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 2019-10-29 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: Convergent Resources, Inc.
State: DE

Complaint narrative:
Requested XXXX to validate account on credit file. Requested information to validate account on credit file. Company failed to comply FCRA guidelines. Made several attempts to validate signature and contest to contract.

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 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 I was told that my account ending in XXXX balance was XXXX so I paid it and it was reported to the credit bureau now 3onths later they are calling and harassing me about being 60 days late, now I haven't heard anything from them since XX/XX/XXXX when the account was paid, I also have another account ending XXXX and in XX/XX/2019 was told my balance XXXX so I paid XXXX left my balance of XXXX when I went to pay the balance they are now saying that my balance is XXXX. I have been getting the run around, I spoke with a supervisor name XXXX in the collection deprtment and she said that she an see that my was balance was XXXX in XX/XX/XXXX and I made a payment, did not undersatand why the amount change so was sending it to the review department to be review on XX/XX/2019 and still to this day haven't gotten a answering whenever I call to see what is going I get threated about being sent to the credit buren this company hs been giving me the run around for over two weeks. 
please can you help me resolve this. 
XXXX XXXX Conn 's home plus

Company response to consumer: Closed with explanation