vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Hello. In XXXX of XXXX I received a letter in the mail from XXXX XXXX XXXX. This collection agency claimed that I owe {$7000.00} to XXXX mobile services. I called XXXX and a representative said that I owe no such amount. The only service of XXXX I had was Internet, which was paid monthly and cancelled before I sold my house. The representative said accruing that amount would be impossible, xfinity would cancel the account long before. 

I researched XXXX XXXX XXXX and according to comments on XXXX  is an obvious scam, bullying people into paying debts they do not owe. 

Unfortunately this is on my credit report and I can not buy a house due to my credit score tanking XXXX points. 

I contacted XXXX XXXX in XXXX XXXX as recommended by my real estate lender and they said a few months ago that the debt should be off of my account but that it is out of their hands at this point. 

On XX/XX/XXXX I received a letter from Convergent outsourcing inc stating that they are a debt collection and that I owe {$7000.00} to XXXX XXXX 

I do not know what to do at this point so I am reaching out to every avenue I find. Please help me get this off of my credit so I can move on with my life, thank you.

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 2022-05-31 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: TX

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2022-05-31 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX. ) XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$1000.00} XXXX. ) XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$3100.00} XXXX. ) XXXX ACCOUNT XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$0.00} HARD INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX. ) XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$1000.00} XXXX. ) XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$3100.00} XXXX. ) XXXX ACCOUNT XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$0.00} HARD INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: TX

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2022-05-31 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: TX

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: NM

Complaint narrative:
Creditor is harassing me regarding payment. I lost my job and tried to make arrangements, they refused even though I communicated that I was unable to make a full payment. The last phone call ended with the XXXX hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XXXX XXXX, 2022, I accidentally scheduled an online payment in the amount of {$2700.00} to be applied to my account, which brought the balance to {$0.00}. On XXXX XXXX, 2022, I contacted the company and requested a refund, as I had only intended to make a {$200.00} payment, and this had negatively impacted my bank account. On that date, a payment refund request was submitted for the difference of the intended payment amount totaling {$2500.00}. On XXXX XXXX, 2022, the payment refund request was honored, and a refund check was mailed to me in the amount of {$2500.00}. 

In the meantime, on XXXX XXXX, 2022, my credit limit was decreased from {$4400.00} to {$100.00}. I am told by Synchrony Bank that they sent a letter notifying me of this decision on XXXX XXXX, 2022. I did not receive that letter, until they sent me a digital copy in XXXX of 2022, upon my request. Synchrony Bank has indicated they based their decision to reduce my credit limit to {$100.00} on " an overview of your account and your credit file. '' They noted this is not the result of my asking for a refund, but rather a coincidence of unfortunate timing. They also note I have a satisfactory payment history with them. This decision resulted in my credit account with them showing- {$2400.00}, and the balance has since showed significantly negative, until paid off. 

This negatively affected my credit score. I submitted a direct complaint to the company and requested either that they restore my credit limit or offer a solution that would not negatively impact my credit score. They declined. I submitted complaints through the XXXX, and they have refused to resolve the problem as they stand by their original decision. I maintain it is unfair and unequitable to reduce my credit to {$100.00} AFTER I requested a refund, and subsequently, two days later, send me a check for well over that amount to honor my refund request.

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 2022-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
After learning my rights as a consumer I sent a letter to the cfo and ceo of American Express explaining the rights they violated, how I dont owe any debt and how they are illegally reporting information such as late payments and utilization in my report. I told them I need to get paid $ XXXX each late payment, utilization posted and also each violation I found on the statement. A person named XXXX sent me a letter stating that I am bound to the card ember agreements to make payments and if I dont then they will be reporting my account as delinquent to the consumer reporting agencies. 15 USC 1681 states how no one cant report anything or share information without my written consent and also how transactions and experiences are excluded for a consumer report. 15USC 1666b basically explains how there is no such thing as a late payment, there isnt no such thing as a late payment because the debt is already paid for law 18 USC 8 states how The United States is accountable for all obligations. I am a living soul from God and can not and will not enter a contract with a corporation. I am not a fictional limited liability entity otherwise known as a corporation. Also in the transactions I see it states I was charged a finance charge but according to 15USC 1605 finance charge means the sum of all charges, why is American Express changing the definition of a finance charge. In the statement that came in the mail I saw a lot of violations about payments American Express thinks I have to pay, a fictitious name and address that belongs to my trust estate and not me and according to 18 USC 1342 any fictious name or address and not the proper name or address can result in 5 years in Prison and fined. Also them saying I still need to make payments and how they are going to report my account as delinquent to the consumer reporting agencies can result them in 20 years in prison and fined according to the law 18 USC 894. I am a loving soul created by god and not the state u am not an employee so there is no contract between me and American Express. American Express needs to act as the role of a trustee not benefiary. I am the beneficiary of my trust estate not American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: TN

Complaint narrative:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

EQUIFAX COLLECTIONS XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX : {$680.00} INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX : {$680.00} INQURIES XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX COLLECTIONS XXXX XXXX : {$920.00} XXXX XXXX XXXX XXXX {$0.00} INQUIRIES XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: IL

Complaint narrative:
In mid XX/XX/2022, the credit agency never did a proper investigation the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. they did not do this also they violated my rights even more, in accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer report. The credit agency stated my report was properly investigated but how is this possible if the open date, date of last activity an date last report are not accurate. This is grounds for removal. XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX XXXX15 USC1681 section 602 A states i have the right to privacy- 15 USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish a account without my written instructions -15 USC1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom there repot relates - 15 USC1681c ( a ) ( 1 ) information excluded from consumer report except authorized under subsection ( b ) of this section no consumer reporting agency may make any consumer report containing any of the following items of information, ( 1 ) cases under title11 ( United States Code ) or under Bankruptcy Act that from the date of entity of the order for relief or the date of adjudication

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 2022-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A . States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX ( 3 inquiries ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A . States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I mailed out my dispute letter to equifax on XX/XX/XXXX XXXX Credit agencies have 30-45 days to respond. I recently ordered my credit report prior to XX/XX/XXXX and notice that there were some things on my report that were incorrect. Here are the items I want to dispute XXXX XXXX XXXX This account was sold to a debt agency that can not validate I owe them this debt. The account is closed and the balance is XXXX. 

XXXX XXXX BNK- This account was also sold to a debt collector who can not validate I owe them this debt. This is a charged off account meaning the original creditor was paid for this account and I do not owe a company that bought a debt that was already paid.

These collections violate my rights under the FCRA and the Statue of Limitations have exceeded the time frame needed for me to be sued for these debts. Please delete these items off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: MI

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX COLLECTIONS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX COLLECTIONS : XXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN COLLECTIONS : XXXXXXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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