vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 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: TX

Complaint narrative:
Violation of the Fair Credit Reporting Act by TRANSUNION. 

I have gotten deletions of certain items on my consumer report, however I find that TRANSUNION is picking and choosing what they would like to remain on my Consumer Report/File. 

Please see attachments. It gives proper timeline of my attempts to contact Transunion by mail, hand written letters, typed letters and phone calls that last over an hour with no result. 

This is doing harm to my ability to move in commerce as a consumer and it is harming my reputation and character. 

I mailed my latest request to XXXX XXXX XXXX, XXXX XXXX, PA, XXXX - United State Postal Tracking Number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX suddenly closed all Personal Line of Credits and this is affecting my credit score badly. I have tried contacting them and they are not doing anything to fix this issue.

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 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I located a fraudulent account in my credit report for {$200.00} from Convergent Outsourcing. In the report it claims the account was opened XX/XX/19. I contacted them and Convergent explained it was a account XXXX account . I contacted the company and have sent an affidavit of fraud, copy of my XXXX XXXX bank and my id that proves the my address does not match the fraudulent account. They have refused to assist and have lost my papers 3 times! I need this account to be removed. If I had opened the account I would have paid it. I have XXXX credit score and wont mess it up for a stupid {$200.00} bill.

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 2022-01-16 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: CORELOGIC INC
State: CA

Complaint narrative:
I looked up my credit report on XXXX and found a hard inquiry done on my credit calles XXXX XXXX XXXX XXXX, I never heard of this company or even applied for credit with them or if this is even a real company.

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 2022-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Through out the freeze Navient has consistently advised that I had to make payments even though there was a freeze by the government. Also they have collecting/charging interest on my loan when they should have From 2020 to now. They also advised I must redo my IDR prior to what is on XXXX and when you reach out to them they do not answer you in full. They will blame you or anyone but themselves. Prior to 2020 they never told people how to apply for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/2021 ( XXXX mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX Latest fraudulent account posted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This is now my second complaint against Comenity capital bank. 
I have been disputing an account with them for years now. 
Comenity capital bank refuses to provide any validation, statements, and/or contract that I have requested several times from them on an account they are negatively reporting on my credit report I have now found an old letter dated XXXX/XXXX/2028 from Comenity capital bank and in the letter it states Comenity capital bank does NOT have detailed transaction information in retail stores or their merchandise. ( See attached letter provided ) If they Comenity capital bank continues to REFUSE my request of validation of this account, and continues to impact my credit, I will take immediate legal action to the fullest extent of the law against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
The transaction was made on XX/XX/XXXX, but i thought the transaction was wrong, so i disputed it using the chase app on XX/XX/XXXX. Later on, i found out the transaction was actually legit, so i called chase to reverse the dispute and pay the money back to the original payment party. On XX/XX/XXXX, i found that the dispute was reversed and the money was charged again. However, the company who is supposed to receive the money did not receive anything back. Called chase again on XX/XX/XXXX, they were saying the money was returned to the company and hung up on me twice without solving my problem. Basically, i was charge this money and not sure where this money went. Chase, please return my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased XXXX pieces dining set ( XXXX ) from XXXX located at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The total price of 7-piece set ( one table, 5 chairs and one bench ) was {$1100.00} including sale tax on XX/XX/XXXX. The purchase was financed by Brand Source for 12 months at zero interest after opening a new credit card account. I was advised that bench will be available in first week of XXXX, XXXX which I considered reasonable time to wait for bench. I picked up 6 pieces excluding bench form their store in XX/XX/XXXX. When I did not hear any thing from the store regarding bench, I called store on XX/XX/XXXX to find status so that I can pick it up. As I did not hear any positive response, I visited the store and talked to sale rep as well as Manager. I discussed to explore another reasonable acceptable alternative. First they agreed to accept return. But when we went next day to return, they flatly told me that there is no other alternative other than waiting for bench and promised me that bench will definitely available in first week of XX/XX/XXXX which was not acceptable. Recently, I again called store as I did not hear anything from store again. Now, they are advising me to wait until middle of XX/XX/XXXX. XXXX keep extending the date of availability with no another alternative which is unreasonable in terms of sale order and unfair business. Delay in delivering bench is causing risk of unmatching color of bench with rest of the dining set due to age which why we have to bear after paying full price. 
In the meantime, I called Brand Source to use my rights to dispute this transaction as order was not delivered as per sale order contract signed by both parties. I provided all information that all my efforts to resolve issue with the store were unsuccessful. But credit card company told they can not help me in filing dispute as I have to resolve it with the store. 

I would like to dispute {$1100.00} as I am dissatisfied with this credit card purchase because XXXX is failed to deliver all items as per sale order XX/XX/XXXX and request credit card company to investigate the issue. If above statement is correct and XXXX is failed to deliver items as per sale order, my credit should be reversed and all paid money should be reimbursed 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 2022-01-16 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: DC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2022-01-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX Original creditoXXXX XXXX  OpenedXX/XX/2021 ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX Latest fraudulent account posted on my credit file.

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 2022-01-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX Original creditoXXXX XXXX OpenedXX/XX/XXXX, XXXX ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  Latest fraudulent account posted on my credit file.

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 2022-01-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I bought a computer with XXXX in 2015. The computer arrived with a chip in the screen. I made payments and was trying to negotiate a replacement with XXXX. I started the return process, and therefore stopped making the payments, but the computer was never picked up by their service provider. I ended up having to keep the computer and the account was paid off 7 years ago.

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 2022-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I looked up my credit report on Transunion and found a hard inquiry done on my credit calles XXXX XXXX XXXX XXXX, I never heard of this company or even applied for credit with them or if this is even a real company.

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 2022-01-16 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: DC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got put into a promotional inquires on my credit report and I never signed up for promotional inquiries to be put on my credit report under promotional inquires such as Capital one auto finance, Capital one, XXXX XXXX milestone, XXXX services, plain green, and XXXX XXXX sending my information to these companies and I dont want this on my credit report or send me information for their company and if my information in their system to be deleted. I never applied to any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
Last year, I asked for written verification with a handwritten signature of proof of debt. I submitted a complaint through CFPB on XX/XX/21 ( complaint ID XXXX ) stating, I have asked for a signed contract with my signature and havent not received. What was sent just a balance. I called and the representative was rude. I am very respectful and honest. I am trying to cooperate, but it is hard too. I am not hard to work with resolving any issue unless the other parties are. Also, this company has be re-aging my XXXX credit report which is illegal. 

However, today, I seen it has been put back on my credit reports without receiving any written notification in the mail and the company removed the it from my report last year.

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 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
I purchased a pair of sneakers with my credit card from an XXXX seller on XXXX XXXX, 2021. They were never sent, nor was there any reply from the seller after repeated attempts to contact. I went through the XXXX refund process, which was finally granted on XX/XX/XXXX, 2021. XXXX refunded my money. Cut to XXXX months ago ( about XXXX 2021 ) I started receiving emails from American Coradius International, LLC., also known as ACI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX, who said I had a negative balance on XXXX and needed to pay them money. I contacted XXXX to ask them if this was true, and they said no. They also said to disregard these emails as a scam, as XXXX is it's own collection agency. Cut to last month ( XXXX 2021 ) when I received a letter in the mail from ACI to pay this same " debt. '' As they asked, I sent a note back saying I disputed the debt, and they would send proof of debt. Yesterday I received another letter from them, along with a letter with XXXX letterhead listing the debt and information from the XXXX purchase with this seller from back in XXXX 2021. What? ACI is representing a zero feedback seller from XXXX who wants XXXX bucks, of which they will get XXXX bucks, on an purchase that never happened? I don't get the math. There is no debt with XXXX, there is no negative balance, there are no sneakers, shall I go on?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
XXXX XXXX attempted to collect {$560.00} from me for a rented water cooler. I tried to settle with company to buy the cooler outright. Company refused and sent the collection amount to The Law Offices of XXXX XXXX in XXXX, ILlinois. I settled with The Lawyers on an amount of {$260.00} to be paid by me and I keep the water cooler. I sent 4 payments totalling the full amount owed. 15 months later XXXX XXXX sent this same account to XXXXOLLECTION PROFESSIONALS INC in an attempt to collect {$2200.00} from me. COLLECTION PROFESSIONALS INC HAS CALLED ME 9 TIMES IN 6 DAYS. Harassing me. I called them back, they hung up on me. I recieved ONE form of physical mail, a letter from them with no Account Number, No Validation, No Itemization. I am enclosing the document they sent to my mailing address. This is an extortion attempt. My next step will be contacting the STATE ATTORNEY GENERAL OF ILLINOIS AND AN ATTORNEY TO FILE A CLASS ACTION LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Forster & Garbus LLP
State: FL

Complaint narrative:
XXXX, 2019. I was at the end of a divorce. My wife and I were selling our house, so we can go our separate ways. A week before the closing, the title search came back with a lien on the property. Forster and Garbus LLP was suing me on behalf of a company that alleges I had a contract with them, I requested time and paperwork so I could address and validate this information. They said I missed the court date, but no notification/mail was ever delivered to me, I asked them for proof of a signature of delivery. I never got that proof or anything relevant to show that a summons was sent to me to appear in Supreme Court, or that I owed this alleged debt. The bad thing about this situation, I had a new job situated and was suppose to close and purchase a new house in XXXX, Fl. Once the house sold, this debt collection strong-arm tactic from Forster & Garbus LLP XXXX forced me to settle with them for {$25000.00} in order to continue with the sale of the property, this processed took the closing from a week away to three and a half months later to the end of XXXX. I wasn't able to start my new job and I lost out on the sale of my new property in XXXX, Fl. The proceeds from the sale of the house which was suppose to come to me was {$32000.00}, that went to Forster and Garbus which was {$25000.00} and I no longer had enough or any funds to place as a downpayment for anything property and moving fees. I was jobless and homeless for awhile, I had to move in with friends and family in order to get back on my feet. Forster and Garbus LLP states that they are lawyers but at the bottom of the paperwork they provided it clearly states in all caps ( PLEASE NOTE THAT WE ARE REQUIRED, UNDER FEDERAL LAW, TO ADVISE YOU THAT WE ARE DEBT COLLECTORS AND ANY INFORMATION WE OBTAIN WILL BE USED IN ATTEMPTING TO COLLECT THIS DEBT. ) 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) ( b ) False, deceptive, or misleading representations. 

( XXXX ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: GA

Complaint narrative:
BYL COLLECTION SERVICES , LLC contacted me via USPS in regards to an alleged debt on XX/XX/2021. I wrote a letter demanding validation of this alleged debt as I have no record of consenting to be communicated by BYL COLLECTION SERVICES , LLC nor am I legally obligated to pay any and all alleged debt to them as I have no contract with BYL COLLECTION SERVICES , LLC. I also attached a cease and desist with the beforementioned letter. Both documents were sent off XX/XX/2021 certified mail with a green return receipt and received on XX/XX/2021. BYL COLLECTIONS SERVICES, LLC was given 5 days upon receipt to provide proof for me to see that validates their alleged claim. They have failed to do so resulting in this matter being settled.

Company response to consumer: Closed with explanation