vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 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: NC

Complaint narrative:
I am disputing the Hard Credit Inquiries on my report. One of the companies, XXXX XXXX, I did authorize, but they ran my credit twice instead of once at two different times. They also sent me a card that I did not apply for. I was fine with the initial pull, but not two. When I called they could not tell me why and said It must have been the computer or Fraud to alert my Credit company. I now have a card, but I am concerned when I only applied once. One of these should be removed from my report along with the other companies that I did not approve. 
The only one that I authorized Is the XXXX XXXX on XXXX, XXXX 
I do have two cards with XXXX XXXXXXXX now and do not wish to compromise my credit, but I am confused a to why they pulled my credit twice when I applied for one card. I have had an issue with XXXX XXXX XXXX on my other two credit reports. I did not give XXXX XXXX the permission to pull my credit nor do I have credit with them. They did not just pull it once but also twice. This is another reason I am concerned about fraud. At the same time, XXXX pulled my credit. I definitely did not authorize that since I had been in dispute with the company. The last one I have no idea why my credit was pulled I have not credit with XXXX  XXXX  not have I ever authorized them to pull my Credit. 
Inquiry details. I was told it is a mortgage company called XXXX. 
XXXX XXXX XX/XX/2022. 
XXXX XXXX XX/XX/2022 XXXX - XXXXXXXX XXXX. XX/XX/2022. Not authorized. 
XXXX XXXXXXXX XX/XX/XXXX, XXXX All of these happened after I got my credit card with XXXX XXXX the inquiry XX/XX/XXXX. 
I have not been looking for a morgage and am not either. 
XXXX. XX/XX/2022. Not authorized All of the above inquiries, Except the XXXX XXXX, XX/XX/2022 should be removed. They were not authorized on my credit. 
XXXX XXXXXXXX is supposed to be sending and electronic message as to the XX/XX/XXXX inquiry. 
I will be filing a police report tomorrow per XXXX request and have filed with the CFPB per XXXX suggestion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing the XXXX XXXX Inquiries on my report. XXXX XXXX XXXX pulled credit twice with out permission. This had happened after I got a XXXX XXXX card and that got pulled twice also. Experian and XXXX one Have dealt with the second inquriry. I am concerned with Fraud and someone trying to use my credit without my permission. 
XXXX id not give XXXX the permission to pull my credit nor do I have credit with them. I also did not give XXXX permission to pull my Credit, and I dont even know what the company is. The last XXXX had no right to pull my credit without permission. All of them came as a slew of inquiries after I had received my XXXX XXXX XXXX, except for XXXX. I was told this is a mortgage company. I am not looking for a house and can not afford XXXX. I have called the companies which have either told me to report it to the credit bureau, which I did. XXXX is working with me, How ever Experian told me to Call the companies again and write a dispute letter. 

XXXX details XXXX XXXX XXXX - XXXX and XXXX, XXXX and XX/XX/XXXX. XXXX. Neither was XXXX - XXXX XXXX. 
XX/XX/2022. Not XXXX XXXX. XX/XX/2022. Not authorized These need to be removed from my credit report. I did not authorize any of the above inquiries. Per XXXX suggestion and request I will be filing a police report tomorrow.

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 2022-08-27 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:
I completely disagree with your response to my complaint about a 90 day late reporting XX/XX/XXXX on my student loan. You wrote, " According to our records, you filed your most recent bankruptcy action, XXXX XXXX, on XX/XX/XXXX. Your Loan XXXX was requested, applied for, and disbursed after your bankruptcy petition was filed. As a result, this loan was not eligible for the bankruptcy forbearance status. '' I absolutely NEVER requested a student loan after a bankruptcy petition was filed. There would be absolutely NO WAY I requested a student loan during or after bankruptcy petition AND I will absolutely involve my bankruptcy attorney to certify. XXXX absorbed my students loans from XXXX graduate program and I applied for and received a private student loan in XXXX for my XXXX  XXXX XXXX. All students loans ever recorded in my name were recorded in XXXX or prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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:
I completely disagree with your response to my complaint about a 90 day late reporting XX/XX/XXXX on my student loan. You wrote, " According to our records, you filed your most recent bankruptcy action, XXXX XXXXXXXX, on XX/XX/XXXX. Your Loan XXXX was requested, applied for, and disbursed after your bankruptcy petition was filed. As a result, this loan was not eligible for the bankruptcy forbearance status. '' I absolutely NEVER requested a student loan after a bankruptcy petition was filed. There would be absolutely NO WAY I requested a student loan during or after bankruptcy petition AND I will absolutely involve my bankruptcy attorney to certify. XXXX absorbed my students loans from XXXX graduate program and I applied for and received a private student loan in XXXX for my XXXX XXXXXXXX XXXX. All students loans ever recorded in my name were recorded in XXXX or prior.

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 2022-08-27 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: GA

Complaint narrative:
See Attached documents ; I have identified information on my report that are a result of identity theft. Name Spellings that are not my name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There addresses are fraudulent addresses : XXXX XXXX XXXX in XXXX, XXXX XXXX in XXXX, XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXXXXXX in XXXX These items and or collections account are not related to any transactions completed by me : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX - XXXX At XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Residences on XXXX XXXX Police Report Filed in XXXX XXXX XXXX XXXX - police report number XXXX ( Crime : Fraud-Impersonation XXXX ) Assigned Detective : 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 2022-08-27 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: SC

Complaint narrative:
someone has access to my personal info. I've been dealing with this issue for the past few years. I've tried disputing this with the credit bureaus but these fraudulent items still remain. I '' m also seeing someone still trying to obtain credit in my name because, im seeing a lot of inquiries, different addresses, and wrong employment info reporting 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 2022-08-27 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: SC

Complaint narrative:
I have just pulled my credit report and noticed 6 Delinquent Closed collections from XXXX. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are involved with this debt, and there is/was some contractual obligation which is binding on me to pay this debt. I have sent validation request letters to all 3 credit bureaus ( XXXX, TransUnion, and XXXX ) via certified mail. 

Letter of sale or assignment from the original creditor to another company is reflected on my credit reports, however the balance amounts, origination dates, and payment delinquencies are not matching with the 3 major credit bureaus ( XXXX, XXXX or TransUnion ). 

Although this account reads closed/ sold, it is unacceptable for this to remain on my credit report, as this reflects negatively on my credit rating. I have no proof this account is mine. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. Why are pursuing collection activity on a paid account in the first place? This is definitely harassment and is a violation of the FDCPA under 15 USC 1962e : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to the debt. It should be read Paid as Agreed/ Closed or be completely REMOVED from my consumer reports.

Invalidated information from any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) on my credit report may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by XXXX or any representative is a violation of consumer rights. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

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 2022-08-27 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: SC

Complaint narrative:
I have just pulled my credit report and noticed 6 Delinquent Closed collections from XXXX. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are involved with this debt, and there is/was some contractual obligation which is binding on me to pay this debt. I have sent validation request letters to all 3 credit bureaus ( Equifax, XXXX, and XXXX ) via certified mail. 

Letter of sale or assignment from the original creditor to another company is reflected on my credit reports, however the balance amounts, origination dates, and payment delinquencies are not matching with the 3 major credit bureaus ( Equifax, XXXX or XXXX ). 

Although this account reads closed/ sold, it is unacceptable for this to remain on my credit report, as this reflects negatively on my credit rating. I have no proof this account is mine. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Why are pursuing collection activity on a paid account in the first place? This is definitely harassment and is a violation of the FDCPA under 15 USC 1962e : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to the debt. It should be read Paid as Agreed/ Closed or be completely REMOVED from my consumer reports. 

Invalidated information from any of the 3 major credit bureaus ( Equifax, XXXX or XXXX ) on my credit report may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by XXXX or any representative is a violation of consumer rights. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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:
I have written several letters in attempt to have a proper investigation performed on my behalf.I am suffering from XXXX and Iam in a severe financial hardships due to the failure of compliance on the behalf of the 3 credit bureaus.Several inaccurate items are still on my credit report after my investigation. 
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and 15 US code1681i ( 5 ) these accounts are in violation of not reporting these accounts accurate.

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 2022-08-27 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:
I have written several letters in attempt to have a proper investigation performed on my behalf.I am suffering from XXXX and Iam in a severe financial hardships due to the failure of compliance on the behalf of the 3 credit bureaus.Several inaccurate items are still on my credit report after my investigation. 
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and 15 US code1681i ( 5 ) these accounts are in violation of not reporting these accounts accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
To Whom It May Concern : Consumer ID : XXXX I recently reviewed an extensive copy of my EARLY WARNING CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my EARLY WARNING report. - ( Contributor : XXXX XXXX XXXX Contribution Ref # : XXXX ) I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

THE POLICE REPORT # : XXXX FTC Report Number : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY EARLY WARNING CONSUMER REPORT IMMEDIATELY!. 


Contributor : XXXX XXXXXXXX XXXX Contribution Ref # : XXXX, ==>delete it from my EARLY WARNING REPORT Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
The company calls me over and over and will not stop. Ive asked to be taken off the list, but they will not comply and are seeking personal information in order to collect. The company is portfolio recovery associates llc XXXX. I block their number and they call me from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report The credit report bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 SECTION 602.A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STAES A CONSUMER AGENCY CAN NOT FURNISH AND ACCOUNT WITHOUT MY WRITTEN INTRUSTIONS

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 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I sent a XXXX Cashier 's check in the sum of {$620.00} to Synchrony bank/Amazon to pretty much pay off my account. I sent the Cashier 's check with a USPS tracking number which shows delivery. Three weeks went by and the funds were not credited to my account so I called Synchrony bank/Amazon to see what the issue was, the first two reps said they could see the payment but I had to provide information proving I made the payment which was absolutely ridiculous but I accommodated and faxed them a copy of the XXXX Cashier 's check receipt and a copy of the USPS tracking receipt. I received a letter from them a few weeks later stating that they declined my dispute. So I called again and the rep said to file another dispute again, I did as he suggested, I sent in the receipts again by email and fax and also by Usps mail. I received another message from Synchrony bank/Amazon stating that they found the payment in question and will take a billing cycle to get fixed. Today ( XX/XX/22 ), I received another message from Synchrony bank/Amazon stating that they could not apply the {$620.00} to my account because the XXXX Cashier 's check was cashed by someone else so the reversed the payment and are charging me another {$620.00}. I sent them all the information again this evening for the XXXX time. My bank, XXXX said just a couple days ago that the check has not been cashed. Three of the employees that work for Synchrony bank/Amazon has stated that they could see the payment affiliated with my account but needed proof and now I have a letter from Synchrony bank/Amazon stating that they found the payment, then today 's letter is saying the total opposite. I don't understand what is going on with Synchrony bank/Amazon , All I want is what I paid credited to my account. I did my part, I paid it and even provided proof that I paid it. I have additional documents and fax logs besides what I have submitted if needed. To many to attach.

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 2022-08-27 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: TX

Complaint narrative:
Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2.00}

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