vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: IL

Complaint narrative:
In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

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

15 U.S.C1681 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 2022-04-14 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: IL

Complaint narrative:
In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

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

15 U.S.C1681 Section 604 A. Section 2 : It 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I did pay for all three reporting agencies, but once I reached XXXX I dropped TransUnion and XXXX and just kept XXXX. Then XXXX of my accounts closed, and they said it was because of my XXXX XXXX. So, I opened TransUnion and XXXX up and saw that they were reporting my scores as TransUnion-622, XXXX  XXXX XXXX and XXXX. I thought that this was odd because I monitored XXXX at least XXXX times a week, and it never fell below XXXX, and at present it is XXXX. The only reason could be that TransUnion and XXXX were changing the XXXX score on their own and not reporting the actual score for XXXX. Then I called TransUnion, and they told me that they could do that and that there was nothing wrong in doing it. That meant that XXXX was not checking XXXX either when I ordered my three reports, so they are just as guilty in reporting false scores. Then, when I ask to speak to a superior, TransUnion told me that they were not going to change it. This has caused me to lose my XXXX account and my XXXX account, and has dropped my credit score and caused me to be denied for credit cards. This has really damage my credit.

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 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: ME

Complaint narrative:
XXXX XXXX XXXX, now XXXX XXXX failed to pro rate my cable bill in violation of Maine Law XXXX The law is pending legal review, but at this point the Federal Appeals court has upheld the law requiring the pro rating of the cable bill. The charge is for approximately {$39.00}. 

XXXX was told not to contact me in 2020. They violated the XXXX  by calling at least 2 more times. They turned it over to a debt collection agency, which contacted me by phone again. A complaint was filed with CFPB at that time and a confirmation was received. 

I received an email from Sequium Asset Solutions today regarding this debt. I called them to advise of the prior XXXX. I believe this is another violation of the XXXX filed in writing to the original creditor, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Acquisitions Group
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
These companies are not authorized by me to run the credit. do not authorize these inquiries on my credit.

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
someone applied for a credit card via Bank of America, using my name, address and social security number, but not my email address I did not apply for this card I was notified about this by XXXX through XXXX XXXX which monitors my credit reports I spoke to XXXX, they reported it as fraudulent and I spoke to Bank of America, they cancelled the application and marked it as fraudulent as well It was advised that I report this through FTC.gov and got directed from there to CFPB

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 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Bureau of Collections, Inc
State: TX

Complaint narrative:
they are calling regarding a debt my son owed from XXXX  ... .THIRTY THREE YEARS AGO - i have repeatedly told them I do not know where my son is, TO LEAVE ME THE XXXX ALONE but they continue harrassing me- calling both of my 2 numbers.. 
PLEASE MAKE THEM STOP HARRASSING ME OVER A DEBT OF MY ADULT SON FROM 33 XXXX  YEARS AGO!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
On XX/XX/2021, I was scammed by group of fraudsters : XXXX XXXX and XXXX XXXX ( the Company ) and lost XXXX USD. 
I advised Ameris Bank of this fact on XX/XX/2021 and I havent received any satisfactory response so far. 
I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. 
Ameris Bank could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made me question what I was doing. The treatment from Ameris Bank is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NV

Complaint narrative:
I have reached out to the following account below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status is still reported. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A company posing as Chase and XXXX said there was fraudulent activity on my credit card account and that they were placing restrictions as a result. They asked for my SSN, picture of my driver 's license, my email, my password, address, DOB. I gave all that info thinking it was Chase : ( the website had the Chase logo, and it looked very legitimate. I thought it was them, because it is not uncommon that they send notification of suspicious activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Corp USA
State: GA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the TRANSUNION. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. 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 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: NV

Complaint narrative:
I was driving to XXXX from XXXX XXXX on XXXX. About XXXX miles away from XXXX on the hwy, I was hit with a gust of wind that blew off my latched pop-top slide-in truck camper. The roof which was harnessed down factory standard with latches was blown off with the gust - act of God- and the car behind me ran into the fallen roof. There is video evidence. 

We exchanged insurance information - well almost a year later, i'm receiving calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on multiple days [ XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 ]. XXXX and XXXX both threatened to sue me through civil action as a subrogation office, threatening to take my driver 's license away. 

I immediately told them to go take a hike, contact my insurance provider and stop calling me. They've continued to call and threaten me. I've contacted my insurance provider all state whom is trying to act on behalf of me but they keep stating XXXX XXXX shouldnt be calling me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: GA

Complaint narrative:
I filed a dispute with Experian for identity theft/fraud and requested that the information be removed or blocked. They refused to do. I filed a complaint with the CFPB last week and experian updated the dispute today indicating that the information had been verified however when i called they said it was ongoing and they wanted me to submit a police report or FTC report to which I had already submitted to them as well as attached to my CFPB complaint from last week. When i spoke the rep today he indicated initially he saw both the ftc and CFPB complaint however then he said he only saw the CFPB complaint and couldnt remove the account without a police report or FTC report. I tried to submit the documentation with the experian.comXXXX  site however after two tries that were unsuccessful i tried using the experian dispute option thru the app and website and that didnt work and the only other option was mail which i am not doing as i am not waiting anywhere near that long. 

So i am submitting yet another complaint and dispute about the issue as well as i spoke to another rep in the fraud dept. who detailed all of this including my intentions to file a lawsuit for FCRA violation if the account is removed within 48 hours. I have been beyond patient. So if Experian wants to waste the time and money going to court im all for it. 

Account in question is listed a collection : XXXX XXXX  XXXX Original creditor : XXXX Date Opened : XX/XX/2021 Balance : {$5500.00} I am also adding XXXX in this as well seeing as I just checked my report with them and it still has yet to be removed as well. So they have the same timeline before i file suit.

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 2022-04-14 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: TX

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I walked into XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the agent sold me a 6 months auto insurance plan. I fully paid the amount before I left their office. On the next day, she called me about increasing my rate so both of us agreed to cancel my membership which I had paid. XXXX said the company will mail me the refund. I didn't receive their refund check due to the pandemic mail service delay. I called my bank to stop the transitioned I made on date XX/XX/XXXX. I had never received XXXX 'S refund check up to date. By XX/XX/XXXX, I received a letter from AWA Collections, claiming that I owed XXXX XXXX {$930.00}. ( reference number # XXXX & XXXX ) I called AWA Collections through their phone # ( XXXX ) XXXX. They said they would need my paper proof about my cancellation which I have never received from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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