vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX  Equifax, XXXX  )  and the Creditors ( US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXk XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have disputed the debt numerous times and Portfolio Recovery refuses to validate the debt. I need it removed from my credit reports as it is in federal violation of 15 U.S. Code 1692G. I need this removed from my credit reports immediately or they will be subject to a fine. They are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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:
I have complained over 4 years regarding identity theft. I now rely upon Experian to research. I have sent sheriffs reports. FTC Identity Theft Affidavit, IRS Identity Theft Affidavit, and XXXX of thief reflected in Sheriffs Report to XXXX XXXX AXXXX XXXX XXXX XXXX, and XXXX. And I am now sending to Experian and please request Experian to review the attached FTC Identity Theft Affidavit, IRS Identity Theft Affidavit, XXXX XXXX, and sheriff 's reports and remove from my credit report. More specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested copies of the credit report and the permissible permission XXXX used to request Experian to send XXXX my credit report. All of this led to a fraudulent loan. XXXX has yet to send this information. I request Experian request this information and then send to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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: Synovus Bank
State: TN

Complaint narrative:
I HAVE INFORM THESE COMPANYS THAT I HAVE NEVER DONE BUSINESS WITH THEM OR SIGN FOR ANY PRODUCT OR SERVICE YET THEY ARE STILL REPORTING THESE ACCOUNTS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
This debit has already been paid and this company has already agreed to remove this debit from all credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony bank switched programs with their XXXX XXXX cards. My automatic payments were stopped without any notice and I sustained a missed payment and was charged a finance charge which will appear on my credit report. 

Synchony declined to send me a letter apologizing for the mistake. 

My credit score may suffer for their error and this will impact my ability to get a low monthly payment for loans in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Hey i am still waiting on a response regarding a file of Incorrect information I disputed last month. I know it's been over 30 days and I don't have any investigation Results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/2021 Re : Social Security Number : XXXX To Whom It May Concern, This letter is regarding account # XXXX, which you claim This {$800.00} debt is mine ). This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 explanation
Consumer complaint received 2021-05-07 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TN

Complaint narrative:
We purchased a Water softening system through XXXX XXXX XXXX, which they have their own finance company, Aqua Finance Inc. My husband is in the military and we were told we qualified for a special offer because of our credit and his status. We were to pay {$8000.00} for the system and only pay 10 % on the first {$1500.00} of the loan. We are now paying 0.03011 % /day for 10 years. It comes to {$6000.00} on a loan of {$8000.00}, we would pay {$14000.00} on a system that should have cost only {$5000.00} because they overcharged us for that as well. My parents looked into other authorized distributors of this product and it should have only cost us $ XXXX {$5000.00} with installation. We were told if we did not sign that day that we would not receive the special interest rate unless we signed there and then. We could get a personal loan for 4 % today with our credit. They are completely taking advantage of our age and military background. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Salesperson- XXXX XXXX XXXX XXXX Aqua Finance Inc . 
XXXX XXXX XXXX Dept. XXXX XXXX, AL XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Hello, I have contacted AWA Collections on XX/XX/2021, in regards to ( 3 ) three separate accounts showing on my credit report for a debt collection. One of the accounts shows a balance of {$130.00}, the second account shows {$120.00} balance, and the third in the amount of {$97.00}. I explained to AWA Collections that i do not owe this debt, nor have I ever received anything in the mail. The representative stated that they have this on record as a debt and they will keep it on my credit report. I asked him to provide me proof of the debt and advised him to remove all three collection accounts that they are reporting from my credit report. He wasn't willing to provide me proof of the debt belonging to me and he demanded payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Hello I have 5 accounts with firm all showing balances of, ( {$380.00}, {$340.00}, {$270.00}, {$990.00}, {$250.00} ) and 1 account that shows a late payment which are all incorrect and I have paid these on time. I asked for debt validation and have not received any documentation to validate the debt.

I have sent 3 total letters through certified mail first on XX/XX/XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Second letter XXXX XXXX Tracking {$9400.00} XXXX XXXX XXXX XXXX XXXX. Third letter XX/XX/XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Have had no success getting any debt validation or any sort of documents related to the 5 debt accounts and the 1 account with a late payment.

Also I exchanged email correspondence with affirm ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and asked I provide them with the Affirm ID 's so I could get the validation. After I provided the numbers I received no response and now I am left to pursue the CFPB as well as legal counsel to help remove these inaccurate items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: DISCOVER BANK
State: MA

Complaint narrative:
Around XX/XX/27 I submitted an application for a secured credit card with Discover card and was approved as long as deposit and required documents were provided. On XXXX, I submitted my bank information for the deposit and submitted docs, rep advised that someone was going to call me at the number on my fraud alert. I told her I no longer had that # and she advised I needed to call XXXX  to update and if it was done today XXXX, it would be approved an no need to reapply. I updated # with XXXX  and called Discover. They only asked for my social and transferred me to another rep that pulled my credit again and denied my application due to recent inquiries. These 2 inquiries were from Discover on XX/XX/27 and XXXX. Neither of the 2 reps ( Ohio ) I spoke to on XXXX @ XXXX verified my identity and pulled my report. I would like the calls to be pulled and file a complaint. I was not advised my report would be pulled a 2nd time, just that I needed to call today to tell them my # was updated by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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: NC

Complaint narrative:
XXXX  XXXX  XXXX  Auto Financing XX/XX/2019 Experian XXXX XXXX IN Auto Dealers, Used XX/XX/2019 Experian XXXX XXXX XXXX XXXX Installment Loans XX/XX/2019 Experian XXXX Sales Financing XX/XX/2019 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have disputed the debt numerous times and XXXX XXXX refuses to validate the debt. I need it removed from my credit reports as it is in federal violation of 15 U.S. Code 1692G. I need this removed from my credit reports immediately or they will be subject to a fine. They are reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
On or before XX/XX/2021 I received a notification via e-mail from XXXX XXXX regarding my credit score. My credit score had dropped more than 35 points as a result of a delinquent cable bill that was sent to CREDIT MANAGEMENT LP, a debt collection agency in XXXX, Texas. Unbeknownst to me, a bill in the amount of {$1000.00} was owed to XXXX XXXX for cable/cellular services provided in the state of Texas. Shortly thereafter, I submitted a dispute through XXXX  and awaited the results of their investigation. 

I finally received correspondence on XX/XX/2021 regarding the aforementioned matter a long with the results of their investigation. XXXX, apparently, found that the " disputed item was verified as accurate ; however other information has also changed. '' According to the investigation report, the account was placed for collection on XX/XX/2021. It was then updated on XX/XX/2021. 

On XX/XX/2021 I contacted XXXX  to contest the findings of their investigation. I spoke with a XXXX  representative and explained the following : The debt owed does not belong to me. I do not owe any sum of currency to XXXX XXXX. I have never, in my life, ever visited the state of Texas. Moreover, it has been, approximately, more than 10 years since I've had cable in my own home, which is in XXXX, Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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: CITIBANK, N.A.
State: MA

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX ( DOB : XX/XX/XXXX SSN # XXXX ). As of XX/XX/XXXX last monthI reviewed my credit report and noticed a Citibank credit card account unauthorized me. This account is listed as an authorized user in my name which I have absolutely no knowledge of!! I've contacted Citibank several times regarding this closed account however I havent received any correspondence to date. I had no knowledge of this Citi card ( XXXX ) that was opened onXX/XX/XXXX. I was only XXXX XXXX XXXX. This card has caused horrific problems causing me to get denied to enroll in college and further school opportunities. This has affected me from securing student loans and nearly caused me to be homeless. Im requesting the removal of this account immediately off of my credit report otherwise ill be moving forward by seeking legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX/Personal XX/XX/2019 TransUnion XXXX XXXX XXXX/Personal XX/XX/2019 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had noticed on my XXXX  credit report that on two of my Capital One, credit accounts the payments were being falsely reported 30,60,90 days late. 
I filed a complaint with XXXX  0n XX/XX/XXXX, and they processed the complaint to Capital One. 
Capital One response stated that there original reporting was accurate and that they were not going to make any adjustments. 
On XX/XX/XXXX I started to use XXXX XXXX, a credit managing company that were making all of my credit card payments religiously. Even after presenting blatant proof of the payment report from XXXX XXXX, showing that all of the payments were made on time from XXXX through XX/XX/XXXX, Capital One and XXXX  refused to make the proper adjustments. 
These fraudulent acts has damaged my credit score for years! 
On one account : It shows from XX/XX/XXXX - XX/XX/XXXX, 30,60,60,60 days late, all false. 
On the other account : From XX/XX/XXXX - XX/XX/XXXX, 60,90,90,90,90,90,90,90.90,90 days late, all false.

Company response to consumer: Closed with explanation