vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: GA

Complaint narrative:
ON XX/XX/2022 I EMAILED THIS COMPANY AND ATTEMPTED TO CALL THEM. I SENT THEM AN EMAIL INFORMING THEM NOT TO SELL TRADE OR USE ANY OF MY INFORMATION THAT THEY OBTAIN FROM ANY COURT. THIS COMPANY USED MY PERSONAL INFORMATION FOR PROFIT AND IS CAUSING MY CREDIT RATING TO DECREASE MAJORLY. THIS COMPANY PROVIDED MY INFORMATION TO TRANSUNION WITHOUT CONSENT. TRANSUNION PREVIOUSLY DELETED THE INFORMATION BUT HAS SINCE REINSERTED IT. I DO NOT ALLOW XXXX, XXXX XXXX XXXX, OR ANY OF ITS AFFILIATES TO SELL TRADE, OR USE MY INFORMATION FOR PROFIT. I CONTACTED THE UNITED STATES BANKRUPTCY COURT AND WAS TOLD THEY DO NOT SELL OR TRADE INFORMATION FOR-PROFIT TO ANYONE ABOUT ANYONE. I CONTACTED TRANSUNION AND XXXX. TRANSUNION AND XXXX ARE BUSINESS PARTNERS

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 2022-03-26 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: Verisk Analytics Inc
State: GA

Complaint narrative:
ON XX/XX/2022 I EMAILED THIS COMPANY AND ATTEMPTED TO CALL THEM. I SENT THEM AN EMAIL INFORMING THEM NOT TO SELL TRADE OR USE ANY OF MY INFORMATION THAT THEY OBTAIN FROM ANY COURT. THIS COMPANY USED MY PERSONAL INFORMATION FOR PROFIT AND IS CAUSING MY CREDIT RATING TO DECREASE MAJORLY. THIS COMPANY PROVIDED MY INFORMATION TO XXXX WITHOUT CONSENT. XXXX PREVIOUSLY DELETED THE INFORMATION BUT HAS SINCE REINSERTED IT. I DO NOT ALLOW LCI, VERISK FINACIAL LCI, OR ANY OF ITS AFFILIATES TO SELL TRADE, OR USE MY INFORMATION FOR PROFIT. I CONTACTED THE UNITED STATES BANKRUPTCY COURT AND WAS TOLD THEY DO NOT SELL OR TRADE INFORMATION FOR-PROFIT TO ANYONE ABOUT ANYONE. I CONTACTED XXXX AND LCI. XXXX AND LCI ARE BUSINESS PARTNERS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am XXXX XXXX a federally protected consumer and I am making another complaint against Midland Credit Management regarding an account that they purchased from XXXX XXXX I have sent your company several correspondences, however, they always seem to be returned to me, and this alleged debt continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Midland Credit Management any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I still have not validated any alleged debt with Midland Credit Management and while I have not validated such claim of debt this, in turn, can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX, MIDLAND CREDIT MANAGEMENT, and myself, giving Midland Credit Management any right to collect on this alleged debt. It is my belief that Midland Credit Management is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA. Please see attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX, an Incoming Wire of {$3100.00} was sent to my checking account at Truist Bank. This was sent using the historical SunTrust Wire instructions. The Sender ( XXXX XXXX  ) provided Wire Transfer Confirmation showing that the XXXX XXXX was successfully processed on their end on XXXX. 

On XXXX, I went to the Truist Branch in XXXX XXXX and spoke with Branch XXXX XXXX XXXX. I provided him a email from XXXX XXXX containing the {$3100.00} Wire Transfer confirmation on XXXX & he followed up with XXXX XXXX department & told me to check back the following week. 

The following week, I followed up with XXXX and was told that this domestic Wire could take until XX/XX/XXXX to hit my account. I asked him why so long & he said that was what the XXXX dept had told him. I told XXXX that it doesnt make sense for a domestic wire to take more than a week to clear. XXXX told me that there was nothing that he can do. 

I called the Truist Customer Service line & after waiting for 40 minutes on hold, was told that the Customer Service team can not provide information about Wires. I was given the phone number for the Truist XXXX XXXX XXXX when I spoke with the Wires Manager, she told me that she can not provide me any information about my Wire since Customers are not supposed to call the Wire desk. No help whatsoever! 

On XXXX, I went to the Truist Branch in XXXX XXXX, FL. After a XXXX hour Wait in line with other problem-riddled Truist Customers , the Branch Manager called the Truist Wire desk and enquired about the {$3100.00} Wire. After what seemed a half-hearted attempt, The XXXX desk says that it was unable to locate the XXXX & the Branch Manager suggested I make an appointment next weekNothing else she could do! 

At this point 2 weeks have gone by & my {$3100.00} incoming Wire is missing. I dont see anyone accountable/acting responsible to resolve any issues. I Banked withSunTrust for many years & their Bankers were always able to find solutionsbut within a short time after the Truist merger, I am missing money & have no confidence in this Bank.

Very dangerous to have unsupervised kids playing with my Money & no-one accountable to answer where is my {$3100.00} Incoming Wire

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 2022-03-26 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: NY

Complaint narrative:
These inquiries on my report were reported to me XX/XX/2022, were not verified to my knowledge and that they are fraudulent.

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 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am XXXX XXXX a federally protected consumer and I am making another complaint against National Credit Systems regarding an account that they purchased from The Alcove Apts. I have sent your company several correspondences, however, your company 's response is always a computer-generated letter stating there is not enough information to validate my claim, and this alleged debt continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given National Credit Systems any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I have still not validated any alleged debt with National Credit Systems and while I have not validated such claim of debt this, in turn, can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, The Alcove Apts, NATIONAL CREDIT SYSTEMS, and myself, giving National Credit Systems any right to collect on this alleged debt. It is my belief that National Credit Systems is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA especially when an eviction NEVER occurred. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: OR

Complaint narrative:
This is a repeat issue that is unfairly impacting my credit report In sum, I was priced out of a home and in exchange for the avoidance of further legal issues, I surrendered the keys and moved out. 

The property had my original deposit and if this price is fair -- which I will argue that it is not -- then me and my cats did over XXXX in damage upon our two years living there. WHICH WE DID NOT. 

I notified my company that this debt was in dispute yet it still has not been addressed on my credit report. 

It is not so easy to return from homelessness and chasing of false zombie debt does not help. It, in fact, hinders the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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:
I have hard inquiries that I didnt authorize, and its hurting my ability to obtain credit. Below Ive listed all the inquiries I want deleted immediately. 

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. Please delete immediately from XXXX XXXX. And items Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized these hard inquiries please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Convergent Outsourcing, a collection company assigned from XXXX reports my account as current and delinquent. 

This was a XXXX Account that was closed XX/XX/2015. My payment on this account was never late. I closed the account and returned my phones. XXXX reported my account in bad standing before they issued me a final bill or gave me credit for my returned phones. 

Every year I dispute this on my credit bureau reports. Every year they report payments history like this was a current or recent account. 
My complaint is that the credit bureaus allow this. My perspective creditors don't see a 6-year-old account. They see a newly delinquent account. This is incorrect. XXXX 's name has been completely removed from the history. I never conducted business with Convergent.

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 2022-03-26 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: MN

Complaint narrative:
Multiple hard inquires on my credit report that could be fraud and I don't 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 explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I been paying capital one payment XXXX dollars a month but when covid hit and a death in the family I could no longer keep up with the payments. I spoke to a rep and they told me that they can put me on a skip plan where I dont have to pay the minus payment but I will still incur interest. Now I just get a bill recently it is stating the payment is XXXX dollars payment. I dont have anything on the card and they still keep taken interest out the card. They keep telling me theres no help for me there using a computer to determine how I need help. The bill is going up and I have no way of stopping this interest they wont give me long term situation they keep asking me is it permanent I keep telling them it is and all they keep giving me is skip now there just going up and up for something XXXX cant afford and its not right what there doing. How can I pay anything if they keep taken money out of the credit card and theres nothing to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: MN

Complaint narrative:
Multiple hard inquires on my credit report that could be fraud and I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: NY

Complaint narrative:
This is the last warning for Experian to remove this XXXX account and the others that are IN pending status in the process from my consumer report. I have attached correspondence between XXXX. of education and me, where I demanded them to cease and desist this account. XXXX is fully aware of the cease and desist, during the transparency between XXXX and I, I also cc 'd Experian letting them know that I demanded a cease and desist on all medium so XXXX corresponding through consumer report is also communication indirectly THATS A VIOLATION. I also demanded FROM Experian through multiple mediums that I wanted them to remove XXXX and the rest of the accounts that are in pending status from my consumer report. When I corresponded with Experian via telephone I made them fully aware of my rights as a federally protected CONSUMER, as pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes, that I never gave written permission/instructions to furnish anything on my consumer report. AS IT STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They argued with me using abusive PRACTICES stating that whatever the creditor furnishes to them they have to keep it there. I let EXPERIAN know THAT they are not honoring the FCRA. They are in violation. I just got another update XX/XX/2022 ON MY EXPERIAN REPORT after I DEMANDED them to remove THESE from MY report. I also have a right to privacy as a CONSUMER AS PURSUANT TO 15 USC 1681 ( A ) ( 4 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I DONT WANT ANYMORE STALL TACTICS REMOVE IMMEDIATELY. THERE IS NO NEED FOR EXPERIAN TO GET PERMISSION FROM A FURNISHER WHEN ACCORDING TO THE LAW IT STATES I HAVE ALL RIGHTS AS A CONSUMER TO HAVE THESE ACCOUNTS REMOVE WITH MY INSTRUCTIONS AND I WANT THEM TO BE REMOVED IMMEDIATELY.

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 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
The equipment has been returned. It went from one collection agency to another once the account was verified as receiving the equipment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: MD

Complaint narrative:
Convergent has re-aged an account that was held in collections with XXXX by having it listed as being originally opened in XXXX XXXX instead of XXXX XXXX. This was intentionally done to negatively impact my credit and according to the FCRA is illegal. I have submitted both credit reports as proof.

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 2022-03-27 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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

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 2022-03-27 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: CA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

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 2022-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a letter from the XXXX Ohio XXXX saying that they don't report to the credit bureaus

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 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This was an erroneous bill, I cancelled XXXX insurance  and paid off the entire amount and still I was sent to collection. The collection company harassed me on the phone at odd hours, and forced me to pay this debt without even validating this debt and even failed to mark the account as dispute. 

This has caused me severe financial and XXXX XXXX has diminished my buying power and has caused me 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 2022-03-27 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: Debt Recovery Solutions, LLC
State: MS

Complaint narrative:
False collection on my credit report making my interest rates go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Account reporting as 90 days past due and has never been past due income base repayment plan at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Account reporting as 90 days past due and has never been past due income base repayment plan at 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 2022-03-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Account reporting as 90 days past due and has never been past due income base repayment plan at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: OH

Complaint narrative:
Account reporting as 90 days past due and has never been past due income base repayment plan at 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