vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: NY

Complaint narrative:
I am writing today because I am shock how poor attention and lack of investigation XXXX and Transunion has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX Account # XXXX The first error is the last verified date Transunion is reporting XX/XX/XXXX and XXXX does not show a reporting date. 

The second error is the date of the last activity Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The third error is date open Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The fourth error is the closed date Transunion is reporting XX/XX/XXXX and XXXX is not reporting a closing date. 

The fifth error is the payment status Transunion is reporting late 120 days and XXXX is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing today because I am shock how poor attention and lack of investigation XXXX and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : SYNCB/GAP Account # XXXX The first error is the last verified date XXXX is reporting XX/XX/XXXX and XXXX does not show a reporting date. 

The second error is the date of the last activity XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The third error is date open XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The fourth error is the closed date XXXX is reporting XX/XX/XXXX and XXXX is not reporting a closing date. 

The fifth error is the payment status XXXX is reporting late 120 days and XXXX is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After reviewing my consumer report, I noticed that there were late pays still being reported. I Got a letter from my bank ( XXXX ) Verifying that I was never late and always paid as agreed. but Equifax and XXXX refuse to remove them after I sent them verifying documents certified mail to support my claim. I am not sure on the dates because my Equifax shows an error code which is making me unable to provide you with accurate dates. XXXX is also reporting the same inaccurate information ( Late Pays ) for XXXX. 
UNDER 15 USC 1666B THIS IS A BILLING ERROR ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against HARVARD COLLECTION SERVICE for committing identity theft. I have never given HARVARD COLLECTION SERVICE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from HARVARD COLLECTION SERVICE before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If HARVARD COLLECTION SERVICE can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until HARVARD COLLECTION SERVICE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and HARVARD COLLECTION SERVICE continues its collection efforts, I will file for litigation for actual damages caused and HARVARD COLLECTION SERVICE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
My ex opened accounts with out my knowledge or consent and made herself and authorized user all charges came from her cards stopped paying when things ended statute of limitations past in my state of Pennsylvania I honestly do think I should be held responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
My ex opened accounts with out my knowledge or consent and made herself and authorized user all charges came from her cards stopped paying when things ended statute of limitations past in my state of Pennsylvania I honestly do think I should be held responsible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
My ex opened accounts with out my knowledge or consent and made herself and authorized user all charges came from her cards stopped paying when things ended statute of limitations past in my state of Pennsylvania I honestly do think I should be held responsible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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 accordance with the Fair Credit Reporting Act, 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 an 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 2022-03-30 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: SC

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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 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 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I applied the Chase XXXX XXXX XXXX  credit card in XXXX. XXXX of the card benefit is " Earn XXXX qualifying night credits toward your next tier status for every {$5000.00} you spend on your card. '' And the term of this benefit says " XXXXXXXX XXXX XXXXXXXX XXXX XXXX credits will be credited to the calendar year in which the spend occurred. '' In XX/XX/XXXX, I found I was XXXX qualifying nights away from the next tier of the XXXX member program and I decided to spend {$5000.00} to get the qualifying nights. Then I spent {$5000.00} on XX/XX/XXXX and XX/XX/XXXX to meet the requirement. 

In XX/XX/XXXX, I found that Chase credited my additional qualifying night to XXXX instead of XXXX. I called XXXX to see if there was anything wrong on their side and I was told to contact Chase, as XXXX just adds the nights to the calendar year that Chase tells them. 

I called Chase customer service, and I was told that my case had been escalated and I could expect an email contact in XXXX business days but I got no response from Chase after a month. So I called again. The customer representative told me they need more information and asked me to wait for a physical mail, and follow the instruction on the mail to provide the information required. 

I received the mail and followed the instruction to provide my detailed statements, each line of the spend including amount, date and vendor via secure message on XXXX. The information I provided clearly proved that my purchases were made in the calendar year of XXXX, not XXXX. 

I provided the information to Chase on XX/XX/XXXX, then my funny journey started. Chase took days to respond to my ask, first they asked me to contact XXXX and claimed they did nothing wrong, and I told them I did contact XXXX and nothing XXXX could do. Then all of the following responses from Chase, they just repeat their credit card policy without answering my question, and told me that the qualifying nights were credited to the correct calendar year. They ignored the information I sent, and did not provide any evidence on how they confirm the qualifying nights were credited. 

After XXXX messages from Chase, they said they would not response to me and have the case closed. 

I just had XXXX question to get answer for and Chase never responded my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
In XXXX of 2022 I sent a letter to Ad Astra Recovery Service because I noticed a collections account on my credit report that is damaging my score and ability to obtain credit significantly. I reviewed my report and found several discrepancies across all XXXX credit bureaus and submitted XXXX letters to each bureau/party respectively . One initial letter to verify debt and a second letter pointing out all errors which included the account being continuously re-aged, reported as late every month while being charged off, and showing up as a loan reporting late each month while reporting as a collections account at the same time. I have read up on the FCRA and I know that this is NOT legal. Furthermore on one report the account would show late by 30 days before being in collection and another account late by 120 days before being charged off/sent into collections. They were extremely all on different ends of the spectrum. I also contacted Ad astra recovery and asked them to produce the original hand signed contract along with a copy of their license to collect debt in TN. I requested this license due to the very unprofessional and unethical way they have conducted business and continue to handle this situation. I asked for these documents to which they have not produced and continue to send me a obviously automated response. I sent them a letter last week and received the same automated letter that I will attach if allowed. In my last letter I stated that if they did/could not produce this evidence, along with a copy of their license in compliance with the FCRA then to remove this account off my credit report with all 3 bureaus. They have continued to ignore my request therefore in my latest letter I notified them that if this lack of communication continued I would be contacting the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have filed multiple complaint against company XXXX XXXX in the past few months. The first was a request to validate XXXX alleged debts they are claiming I owe. Pursuant to 15 USC 1692G, XXXX has to provide XXXX parts when a consumer request a validation. The company only satisfied only XXXX of those requirements. Second, I sent the company a letter asking them to delete these inaccurate, fraudulent and frivolous negative items off of my consumer reports because they are all canceled debts that was reported to IRS, these charge offs reporting on my consumer reports are illegal. The company is in violation of the many law under the FDCPA. This company knows that they are in violation but continues to break the law. Something has to be done to protect consumers from vicious collection agencies like XXXX XXXX. They are ruining consumers lives in their way of practice. This company has not provide all that is required as per the law to validate these alleged debts, they are committing tax fraud for trying to collect for canceled debts, they are did not respect my cease and desist request by continuing to report these alleged debts on my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My Coinbase.com mobile app is preventing me from access or transfer my funds for the past 2 weeks.

The following message is displayed : Were having connection issues try again.

Tried to contact coinbase.com without success.

Saw online that this is a common issue with Coinbase.com and the only way to solve it is thru this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Transunion several times in XXXX of 2021 to remove all incorrect addresses on my credit report, however the agents said they were unable to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX the following accounts -XXXX  # XXXX -XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX & XXXX # XXXX -XXXX XXXX # XXXX have Violated my rights! !!! - 15 USC 1681 Section 602 A. St
ates I have the right to privacy.

- 15 USC 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 explanation
Consumer complaint received 2022-03-30 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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