vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 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: MN

Complaint narrative:
I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX to Transunion in which they have not responded or investigated any of my letters. When I called the first time after 45 days I was rudely disconnected from the rep and when I called back I was told to call back tomorrow. When I called back the next day the rep I spoke to informed me that I should wait a few more days to hear back from my dispute letters, although it has already over 3 months and no response from them. It's displaying 1 late payment for XXXXXXXX XXXX  which is incorrect and is very detrimental to my credit report. I am very upset. They're not following the law and continue to not care about the damage they're causing with these incorrect payment status.

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 2022-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company is calling late at night early in the morning i asked them to stop calling they refused they are sending me threating message and i never signed a contract with this company i asked if this could be deleted off my report while in dispute they refuse this is not my debt and i would like it removed from my credit report due to reporting false information i asked can they show me proof of verification of debt with my signature on a signed contract they have failed to do so Im asking this account be removed off my report A.S.A.P

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13 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: MI

Complaint narrative:
I am requesting and expedited resolution as I am XXXX XXXX XXXX, have XXXX, which has spread and urgently need to resolve all my finances this year. 

XXXX is inaccurately reporting a {$16000.00} balance for an account which has had no activity since XX/XX/XXXX and will be XXXX XXXX XXXX this coming XX/XX/XXXX. 

Further, in XXXX XXXX filed a 1099 cancellation of debt form with the IRS, which I was charged and paid over {$3000.00}. Yet XXXX is inaccurately reporting as a charge off and Balance of {$16000.00}. Once a cancellation of debt is filed that balance is satisfied. 
I am also XXXX provide me with a full accounting of this account which means all the transactions

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 2022-03-13 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible.

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 2022-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Wakefield & Associates trying to collect for XXXX XXXX. This is a medical charge. We met our maximum family deductible in XXXX of XXXX. We provided documentation multiple times to XXXX, to Wakefield, by mail. Female collector said it was likely mailed to a different office and she hasnt seen it. She said she was still going to try to collect the balance. My daughter has an XXXX XXXX XXXX so we hit our deductible very quickly every year. We provided audited health documents to both entities ; they just ignore them. Our health provider says we dont owe anything. This collector is a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Schools first is not reporting correct information on my credit report. 
-monthly payment amount -comments are incorrect on credit report -last active date -date of last payment is incomplete -two year payment history is incomplete -date last active is incorrect in

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: MI

Complaint narrative:
I am requesting and expedited resolution as I am XXXX XXXX XXXX, have XXXX, which has spread and urgently need to resolve all my finances this year. 

XXXX is inaccurately reporting a {$16000.00} balance for an account which has had no activity since XX/XX/XXXX and will be XXXX XXXX XXXX this coming XX/XX/XXXX. 

Further, in XXXX XXXX filed a 1099 cancellation of debt form with the IRS, which I was charged and paid over {$3000.00}. Yet XXXX is inaccurately reporting as a charge off and XXXX of {$16000.00}. Once a cancellation of debt is filed that balance is satisfied. 
I am also XXXX provide me with a full accounting of this account which means all the transactions

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 2022-03-13 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: MN

Complaint narrative:
I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX to Transunion in which they have not responded or investigated any of my letters. When I called the first time after 45 days I was rudely disconnected from the rep and when I called back I was told to call back tomorrow. When I called back the next day the rep I spoke to informed me that I should wait a few more days to hear back from my dispute letters, although it has already over 3 months and no response from them. It's displaying 1 late payment for XXXXXXXX XXXX which is incorrect and is very detrimental to my credit report. I am very upset. They're not following the law and continue to not care about the damage they're causing with these incorrect payment status.

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 2022-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello, My wife and I purchased merchandise from XXXX XXXX XXXX XXXX in XX/XX/XXXX. We were offered a 2 year no interest promotional offer using Synchrony Bank. The total purchase was {$2600.00}. We were paying the balance monthly with the intention of paying it off within the no-interest time frame of 2 years. We never carry interest on any credit card as the rates are astronimical. We called customer service to understand our balances since we have not received communication. On XX/XX/XXXX, our balance was {$1600.00}. On XX/XX/XXXX, our balance was {$3400.00}. We are in complete shock as to how the balance ballooned to this amount as we are unfamiliar with carrying credit balances and paying interest. 

Synchrony has not communicated that the promotional offer ended. We certainly did not remember that from years ago. We called Synchrony customer service to try and resolve this issue, with representatives hanging up the call 2 times in a row. The 3rd time, we were transferred to an Account Manager XXXX XXXX # XXXX ) who informed us that interest will not be returned. We were forced to pay {$3300.00} on Saturday, XX/XX/XXXX to avoid further fees. 

These credit card practices have been very deceiving. We were not aware that the promotional offer ended, and did not receive communication from Synchrony otherwise. Had we been informed that the promotional offer ended, we would have immediately paid off any outstanding balance from the original transaction. We are requesting a refund of all interest paid on this original balance of {$2600.00}. 

Thank you for attention to 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 monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was supposed to receive rewards points converted into cash and doubled by Discover after one year. I did not use any of my points at all and now I want {$230.00} in cash as advertised and promised. Company didnt want to give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I got injured on my job back on XX/XX/XXXX. I obtained the loan back in XXXX of XXXX. My payment were around $ XXXX a month and was made every month up until I was injured. I had XXXX on XX/XX/XXXX and XXXX for my other loans and car loan had kicked in and started to pay but this company along with another company denied it. I had XXXX insurance with this company but was denied coverage. They filed judgement against me in which I filed for a Motion to Stop Garnishment because I was trying to get back on my feet from having a XXXXXXXX XXXX XXXXXXXX. The Motion to Stop Garnishment was approved and I was set up to make {$100.00} a month towards Tower Loan debt to the attorney office named XXXX XXXX XXXX. I had paid the debt for XXXX months and for the months of XXXX I started to get in a bind again with my other bills because I was missing work due to Covid being inside the work place and they sending us home. This judgement was entered for a amount of {$3000.00} and it started up in XXXX of XXXX. From my calculation of my check stubs I am finish with this judgement but when I call XXXX XXXX on XX/XX/XXXX and asked for a settlement XXXX told me $ XXXX is 25 % of the balance and I knew something was not correct. I go to the court house on XXXX XXXX to see why the balance is off and they give me the same judgement paperwork where the amounts has been changed from {$3000.00} to {$4200.00}. I am trying to see how can a amount be changed on a judgement or how can a company add that much interest in XXXX months. But when I asked XXXX what was the original balance for me to pay off she said it was {$3000.00} my balance on XXXX XXXX, XXXX was a little over $ XXXX payoff was a little over $ XXXX. How did this company add $ XXXX to a judgement that was already entered for a certain amount and used the same documents and whited numbers out.

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 2022-03-13 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: EQUIFAX, INC.
State: ID

Complaint narrative:
HAVE PLACED A CREDIT FREEZE ON PROFILE AND ACCOUNTS CONTINUE TO BE OPENED IN MY NAME. HAVE REPORTED IT TO XXXX XXXX, XXXX, XXXX AND NOW XXXX  XXXX. WITH ONLY XXXX XXXX REPORTING INQUIRY AND ACCOUNT AS FRAUDULENT AND NOT ON MY CREDIT REPORT. THE OTHER COMPANIES ARE STILL REPORTING AS IF OPENED AN ACCOUNT THAT WENT BAD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: TX

Complaint narrative:
I filed a dispute with Equifax for inaccurate items on my credit. The items have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute with XXXX for inaccurate items on my credit. The items have not been removed.

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 2022-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Your company is in violation of the FDCPA, TILA, and UCC codes. Which GM FINANCIAL is collecting a debt for your company XXXX XXXX XXXX. On XXXX XXXX I sent GM FINANCIAL a VLIDATION OF DEBT letter. On XX/XX/2021 I received a letter stating that I signed a credit contract with them, which the copy of the contract was attached which shows I did a consumer credit transaction with XXXX XXXX XXXX not GM FINANCIAL .also attached was a copy of the account payment history showing that they been collecting your debt.which shows me that your company assigned GM FINANCIAL MY contract to collect your debt without my consent which is Identity theft and that is FRAUD. 
Pursuant to the FEDERAL TRUTH IN LENDING a contract can not be credit or cash, because credit covers all Obligations.also the finance charge is the sun total of all charges which includes insurance. 
Pursuant to 18 USC 8 the term obligation or other security of the United States includes all bonds and certificates of indebtedness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: ID

Complaint narrative:
HAVE PLACED A CREDIT FREEZE ON PROFILE AND ACCOUNTS CONTINUE TO BE OPENED IN MY NAME. HAVE REPORTED IT TO XXXX XXXX, XXXX, XXXX AND NOW XXXX XXXX. WITH ONLY XXXX XXXX REPORTING INQUIRY AND ACCOUNT AS FRAUDULENT AND NOT ON MY CREDIT REPORT. THE OTHER COMPANIES ARE STILL REPORTING AS IF OPENED AN ACCOUNT THAT WENT BAD.

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 2022-03-13 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
HAVE PLACED A CREDIT FREEZE ON PROFILE AND ACCOUNTS CONTINUE TO BE OPENED IN MY NAME. HAVE REPORTED IT TO XXXX XXXX, XXXX, XXXX AND NOW XXXX XXXX. WITH ONLY XXXX XXXX REPORTING INQUIRY AND ACCOUNT AS FRAUDULENT AND NOT ON MY CREDIT REPORT. THE OTHER COMPANIES ARE STILL REPORTING AS IF OPENED AN ACCOUNT THAT WENT BAD.

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 2022-03-13 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: IL

Complaint narrative:
I called Experian Information Solutions , Inc. about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent XXXX letters to Experian Information Solutions , Inc. at XXXX XXXX XXXX XXXX, TX XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX 2. XX/XX/XXXX, XXXX XXXX 3. XX/XX/XXXX, XXXX XXXX 4. XX/XX/XXXX, XXXX XXXX 5. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX 6. XX/XX/XXXX, XXXX XXXX XXXX XXXX 7. XX/XX/XXXX, XXXX XXXX XXXX Experian Information Solutions , Inc. has not adhered to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification.

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 2022-03-13 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: CA

Complaint narrative:
I have contacted Trans Union twice with in the last 5 months regarding XXXX XXXX XXXX Trans Union is reporting information about me which is inaccurate. All three credit bureaus are reporting different high balances on my account XXXX XXXX XXXX Trans Union should be aware there can only be one high balance. 
If this account was verified all three bureaus would be reporting the same high balance.

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 2022-03-13 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: MO

Complaint narrative:
My Transunion credit report report has a collections remark on my account as of XX/XX/XXXX XXXX. This belongs to my son who has the same name as me, he is XXXX My son has indicated he uses XXXX XXXX XXXX frequently, evem a few weeks ago. They have not told him there's a balance due. 
Apparently XXXX XXXX XXXX employed XXXX XXXX to collect the debt. They sent our name to Transunion with a birth date that does not match either my sons or mine. However it had a birth year that matched mine, XXXX. Transunion must have taken this incorrect information and with it showing a birth year of XXXX  which matches mine took it upon themselves to put the collections on my report. I called both XXXX XXXX  and Transunion. XXXX XXXX was no help. However they told me they sent our name with a different birthday to Transunion. 
Transunion opened a dispute which may take 30 days. This is clearly a mistake with the collections agency and Transunion. Please help to resolve this matter as soon as possible.

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 2022-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: MI

Complaint narrative:
This company has harassed me for a debt they claimed I owe but I never received any letters in the mail nor any proof of said debt. They contained to call even though I repeated told them to stop calling until they provide prove or send me a letter in the mail on such said debt.

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