vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-08 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: IL

Complaint narrative:
I contacted XXXX in the past concerning the accuracy of the information that they was provided to Equifax XXXX and XXXX I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted XXXX to validate this account via certified mail. XXXX recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. XXXX  provided me with a document that clearly shows no signature XXXX  violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. XXXX has also failed to validate this account which is a requirement of the Fair Credit Reporting act.

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 2020-11-08 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: IL

Complaint narrative:
I contacted XXXX in the past concerning the accuracy of the information that they was provided to Equifax XXXX and XXXX. I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted XXXX to validate this account via certified mail. XXXX recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. XXXX  provided me with a document that clearly shows no signature XXXX  violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. XXXX has also failed to validate this account which is a requirement of the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: IL

Complaint narrative:
I contacted XXXX in the past concerning the accuracy of the information that they was provided to XXXX XXXX and Experian. I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted XXXX to validate this account via certified mail. XXXX recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. XXXX provided me with a document that clearly shows no signature XXXX violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. XXXX has also failed to validate this account which is a requirement of the Fair Credit Reporting act.

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 2020-11-08 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 — Problem with personal statement of dispute
Company: NIC, Inc.
State: TX

Complaint narrative:
False statement or representation of debt Per violation, there is no legal contract on file with original signature. Contract cancelled with XXXX TX and XXXX collections. ( see attachment**************** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank, which runs the XXXX private label credit card, sent me an email offer on XX/XX/XXXX stating " Receive {$25.00} in Bonus Rewards Dollars when you spend {$50.00} outside of XXXX and XXXX XXXX XXXX  with your XXXX Mastercard from XXXX XXXX-XXXX XXXX, XXXX. '' I spent {$50.00} outside of their stores during the promotional period, but was only issued {$20.00} in reward dollars. Upon calling Synchrony Bank on XX/XX/XXXX to inquire about my remaining {$5.00} in rewards dollars that I was supposed to have received, I was informed that rewards certificates are issued in increments of {$20.00}, and that I would need to make an incremental purchase in order to bump my rewards dollars balance above {$20.00} in order to receive the remaining {$5.00} in rewards. After escalating the matter to a manager named XXXX ( ID # XXXX ) I explained to her that the advertisement was misleading - nowhere in the email or fine print did it state that I would receive {$20.00} in rewards dollars first, and only upon making another purchase of at least {$150.00} ( @ 10 % typical rewards rate ) would I be able to earn the necessary incremental {$15.00} to issue a second rewards certificate of {$20.00}. I also added that if they knew their system only issued rewards certificates in {$20.00} increments, why would they promise customers {$25.00}? Why not offer {$20.00} in exchange for {$40.00} of outside spend? I explained to her that this was a clear case of bait and switch and an obvious UDAAP violation as the terms of the offer were misleading. XXXX dismissed my concerns and I let her know that I would be filing a complaint with the 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 explanation
Consumer complaint received 2020-11-08 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: MD

Complaint narrative:
Upon review of my credit report prior to applying for a mortgage loan, it was discovered that there were several inconsistencies on my credit report. Disputes were then submitted with Experian advising of the discrepancies with a request to either A ) verify the information provided or B ) remove said items from the credit report ( this was on XX/XX/2020 ). I had given thirty days to respond otherwise I would be following up. Well after thirty days with no response and no reflection of change on my credit report, I had decided to send a method of verification request to the credit bureaus on XX/XX/2020 with a request to remove the items if they were unable to provide an update on my dispute AND/OR a method of verification as they have already exceeded the timeframe allotted within the FCRA. Responses were then received advising of little or no change however no method of verification was provided to confirm the credit data furnishers were accurate. A letter in follow up to my Method of Verification request was then sent via certified mail and submitted online in the month of XXXX requesting that the inaccuracies be removed from my credit report which return receipts had confirmed were received as of XX/XX/2020. As it has now been a little less than a month since my last request and over four months since my first request, I am submitting a formal complaint in hopes that the CFPB can provide assistance inn the matter as these inaccuracies require to be removed in order qualify for a home loan. I look forward to your response.

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 2020-11-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX {$46.00} XXXX XXXX  XXXX {$14000.00} XXXX XXXX  XXXX XXXX XXXX {$600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-08 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: MD

Complaint narrative:
Upon review of my credit report prior to applying for a mortgage loan, it was discovered that there were several inconsistencies on my credit report. Disputes were then submitted with Equifax advising of the discrepancies with a request to either A ) verify the information provided or B ) remove said items from the credit report ( this was on XX/XX/2020 ). I had given thirty days to respond otherwise I would be following up. Well after thirty days with no response and no reflection of change on my credit report, I had decided to send a method of verification request to the credit bureaus on XX/XX/2020 with a request to remove the items if they were unable to provide an update on my dispute AND/OR a method of verification as they have already exceeded the timeframe allotted within the FCRA. Responses were then received advising of little or no change however no method of verification was provided to confirm the credit data furnishers were accurate. A letter in follow up to my Method of Verification request was then sent via certified mail and submitted online in the month of XXXX requesting that the inaccuracies be removed from my credit report which return receipts had confirmed were received as of XX/XX/2020. As it has now been a little less than a month since my last request and over four months since my first request, I am submitting a formal complaint in hopes that the CFPB can provide assistance inn the matter as these inaccuracies require to be removed in order qualify for a home loan. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: MD

Complaint narrative:
Upon review of my credit report prior to applying for a mortgage loan, it was discovered that there were several inconsistencies on my credit report. Disputes were then submitted with Transunion advising of the discrepancies with a request to either A ) verify the information provided or B ) remove said items from the credit report ( this was on XX/XX/2020 ). I had given thirty days to respond otherwise I would be following up. Well after thirty days with no response and no reflection of change on my credit report, I had decided to send a method of verification request to the credit bureaus on XX/XX/2020 with a request to remove the items if they were unable to provide an update on my dispute AND/OR a method of verification as they have already exceeded the timeframe allotted within the FCRA. Responses were then received advising of little or no change however no method of verification was provided to confirm the credit data furnishers were accurate. A letter in follow up to my Method of Verification request was then sent via certified mail and submitted online in the month of XXXX requesting that the inaccuracies be removed from my credit report which return receipts had confirmed were received as of XX/XX/2020. As it has now been a little less than a month since my last request and over four months since my first request, I am submitting a formal complaint in hopes that the CFPB can provide assistance inn the matter as these inaccuracies require to be removed in order qualify for a home loan. I look forward to your response.

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 2020-11-08 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: AFNI INC.
State: GA

Complaint narrative:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I started receiving phone calls in the middle of the morning on XX/XX/2020 about a XXXX bill I do not owe about around XXXX. I tried to call the collection agency and the number would connect or it would disconnect from service which I though was odd and crazy. I do not have a comcast account in the account above nor is it mine. I tried multiple times to call and discuss this collection bill which started months I got cable with the XXXX cable provider. I was receiving a bills in the mail from Sequium Asset Solution, LLC and applied for a job from them also when they sent me an employment application to fill out. I fill out the application twice but did not hear anything back from this business. I had gave them my personal information which I think they have been using to send me collection bills and to keep calling me in the morning around XXXX and until XXXX at night. Sequium has been sending me unsolicited mail with collection of bills I already paid or already a paid account with no disputes or issues when these companies because I still have my internet, cable and utilities on in my name. They started contacting other utilities and my employer to find my whereabouts and showing up at my house knocking on the door and messing with my car. I don't once this collection bill and they keep sending me collection bills and phone calls. All my bill are bill on time and this company keeps harassing me about a bill not owe to them because I have not been given anytime to pay this so call bill or heard anything about a XXXX cable bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$46.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX {$46.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX XXXX XXXX {$600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to correct my address as the one they have listed as current is an old previous address. The only option available was to cross out the current address and move one of the other 2 listed previous addresses up to current and one of those was wrong and to be deleted and the other was old.

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 2020-11-08 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: I.C. System, Inc.
State: GA

Complaint narrative:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.

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 2020-11-08 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: PDQ Services, Inc.
State: GA

Complaint narrative:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. I received a letter at my address addressed to 'Reuben XXXX XXXX demanding payment on an old debt to XXXX XXXX XXXX XXXX XXXX After contacting ERC ( Enhanced Recovery Comapny LLC ) to figure out what was going on ( I keep good records and have spotless credit and it wasn't addressed to my exact name so I wasn't particularly concerned for myself... ) They were unable to explain to me how their skip tracing protocol ended up with my address. In trying to confirm my identity ( rather, in trying to get me to confirm XXXX XXXX XXXX identity ) they asked me about a XXXX address which I never had ( though I have lived in New York on and off for more than a decade ). While they marked the account as an incorrect address, my concern is this, from what I'm able to piece together, it seems that ERC is sending collection letters on this particular debt to anyone who lived in the New York area and has a name remotely resembling the name on the account they're trying to collect on which, if true is blatant phishing, it certainly doesn't seem legal and it is most definitely unethical. This is made more concerning by the tone of the correspondence : " ERC has been authorized to report your delinquent account to the national credi bureaus... '' and " Unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after receipt of the notice the debt will be assumed to be valid by us. '' coupled with the 'easy payment options ( XXXX XXXX XXXX XXXX or Credit Card ) and the relatively small amount of the debt in question ( {$370.00} ). At the very least, indiscriminately sending out collection letters to people will cause a great deal of stress, at the worst, it will lead to scared people paying debts they don't owe ( because of the relatively small amount and the urgency of the correspondence ). Had ERC been able to explain any other points of similarity between XXXX XXXX and myself other than our names and our having lived at some point in New York XXXX, I would chalk it up to a strange mistake, but as far as I can tell, there is literally nothing else in common between us, and there are a great number of people in the New York XXXX area with names similar to 'XXXX XXXX XXXX as neither name is uncommon.

Company response to consumer: Closed with explanation