vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2023-06-22 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: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: LA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This company is violating,, a consumer credit reporting right

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 2023-06-22 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I have recently disputed an account, it was once removed and is now showing up again in my credit report. I have disputed this account again this year and the creditor has reported the information submitted is verified and accurate. I requested validation to verify that this account belongs to me however I received nothing to validate this debt. Also, the account is showing inaccuracies amongst each credit bureau which would be a violation of the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA. If the account was verified and accurate each bureau would be reporting the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
Never received any paperwork regarding a debt was owed. Received phone calls every few days stating for me to call the phone number of USCB America. The phone number was spoken and the call ended, no time to write it down, no voicemail to refer to. I notice an active debt on my report according to XXXX XXXX I research who USCB America is. I call and state that I have never received anything in the mail regarding the debt and according to CFPB rules, reading them during the recorded call, this must be done before being on my credit report. She checks my current credit report for an agreed amount of {$1.00}. The person I speak to says it can be disputed for {$170.00} initiation, {$99.00} for the first month and removed after 90 days with a XXXX XXXX  monthly subscription.This is also written in an email sent during the call. Just a dispute, no guarantee of success. So I deny service. During the call, i get a call from my bank XXXX XXXX XXXX XXXX ) about fraud protection. My debit card was charged 3 times. Once for {$1.00} from XXXX XXXX, once for {$0.00} from XXXX XXXX XXXX, and a third time for {$1.00} from XXXX. I allowed the {$0.00} given the amount, I allowed XXXX XXXX ( {$1.00} ) being that was the name I remembered but denied the 3rd ( {$1.00} ) by not recognizing the name, but not USBC America either. Lastly, I asked how long this debt has been on my credit report, she states it had been there for a year, which the medical services from XXXX XXXX are not that old, tho I dont know the specific service they are referring to, i do know ive only been there once in the last year and that was a few months ago. Not a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Opened checking account ( XXXX XXXX and deposited $ XXXX on XX/XX/23. I was to receive {$500.00} after 90 days of maintaining a minimal balance of $ XXXX. I never touched any of the $ XXXX, to this day. I have never received the {$500.00} bonus, although they tell me, in my phone calls to Citibank, that XXXX entitled to receive it. I was even mailed a W9, which I returned immediately, and the phone reps admit it was received, but they refuse to advise me when/if I will ever see the {$500.00}.

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 2023-06-22 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 told the XXXX, Transunion, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 1. XXXX Account Number : XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX  XXXX Account Number : XXXX 6. XXXX XXXX XXXX Account Number : XXXX I demand for Collection charge off accounts be deleted immediately and for open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

For Open Account Invalid Latepayment 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2023-06-22 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: NY

Complaint narrative:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 1. XXXX Account Number : XXXX 2. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX Account Number : XXXX I demand for Collection charge off accounts be deleted immediately and for open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

For Open Account Invalid Latepayment 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
There are two aspects of my complaint. 1 ) Wells Fargo is not allowing multiple payments in a single day if they are not from Wells Fargo accounts. 2 ) Wells Fargo has charged me interest on credit card debt multiple times even though the payment is made on the due date. My wife and I have non Wells Fargo bank accounts that we attempt to make payments on our due date, and the Wells Fargo system will not allow this to occur. We have documented this multiple times over the last two months. This is something new as it was not like this previously. It appears to us as consumers that Wells Fargo has created this system in attempt to collect fees when they are not valid. I am sure this is happening to other account holders and they should be informed. Wells Fargo is acting unethically and seemingly illegally by attempting to collect fees when they are not valid. This needs to be investigated.

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 2023-06-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
SPRING OAKS CAPITAL SPV , LLC The company failed to provide the documentation requested to verify the debt that they tried to collect over 45 calendar days. The company 's resale of the debt that was unverified to XXXX XXXX account was closed, and the company was unable to provide proof of debt and return to Spring Oak Capital Spv LLC. I demand SPRING OAK CAPITAL SPV, LLC Remove the collection account on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Access Credit Management, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AR XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Access Credit Management in the amount of {$840.00}, I am unsure of any account number regarding this collections ) has violated serval of my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: AZ

Complaint narrative:
XXXX, a subsidiary of XXXX XXXX ran an unrequested and unauthorized hard inquiry on my credit report, on XX/XX/XXXX. I only found out about this because of an alert on my credit reporting service on XX/XX/XXXX. I immediately contacted XXXX about this hard inquiry, they said someone applied for a for a XXXX XXXX XXXX  and was denied credit. If I had applied for such a card I am sure I would be approved, it was NOT me that applied. They agreed that it appeared to be a case of attempted identity theft and said they would remove the hard inquiry from my credit report. This one hard inquiry alone dropped my credit rating by XXXX points. A week later I contacted XXXX via email and informed them of this situation. I have not received any response from XXXX. It has been 2 weeks now and this hard inquiry is still on my credit report. I thought it was illegal for companies to run hard inquiries on someone's credit without their authorization. Isn't there some kind of penalty that can be imposed on such companies to prevent them from doing the same thing to other people? It appears that XXXX has ran a lot of unauthoprized hard inquiries on people 's credit reporting.

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 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
I have mailed & faxed 2 separate requests ; one for validation/verification and one for a demand for proof to substantiate the claim made by CBS Collections . I am in receipt of CBS Collections ' letter informing me that they are handling the " collection '' of the account # XXXX for {$1200.00} ; account # XXXX for {$1700.00} and account # XXXX for {$1100.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between CBS Collections & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate CBS Collections ' claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and CBS Collections continues to report this fraudulent ( on CBS Collections ' behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in CBS Collections ' letters, these are " medical accounts ''. Therefore, this is a violation of my HIPPA due to CBS Collection not attaching a signed ( by myself ) HIPPA authorization form listing CBS Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX my repairs contractor signed a " lien waiver and release '' form, supplied by my Sun West Mortgage, as a condition for them to release my insurance funds, allocated for my pool repair, which falls under the " other structures '' coverage of my insurance policy. The Lien Waiver and Release form states, " The total of all charges for, and in connection with, all such services, labor and/or materials performed or furnished by Contractor will be paid in full to Contractor upon receipt of completed lien waiver ... '' My mortgage company did not abide by their own contract to release funds, in full, per the contract. I did not complain about it then, but feel I must bring this, likely, UDAAP violation to the CFPB 's attention because on XX/XX/XXXX, I requested the release of additional funds to my repairs contractor and was told an inspection was required prior to the release of funds. An inspector came out on XX/XX/XXXX and performed the inspection. I followed up and was told the inspection had not yet come in. Eventually, when I followed up on XX/XX/XXXX, I was told that the inspector, sent by Sun West, did not do a sufficient enough job with the photos for funds to be released and Sun West requested that I, personally, provide additional photos as the aforementioned inspector didn't provide proper documentation for my funds to be released to my contractor. I supplied the requested photo on XX/XX/XXXX. When I followed up on XX/XX/XXXX, I was told that a supervisor had to review the request to release funds to the contractor and it would take an additional 3-5 business days for the review to take place. When I mentioned that my contractor signed a lien waiver and release form stating the contractor would be paid in full upon the receipt of the lien waiver and it didn't happen, I was told it didn't matter what the Lien Waiver and Release form stated and that Sun West Mortgage had a right to verbally impose additional requirements before releasing any funds. I ask that the CFPB investigate this as it seems to violate the CFPB 's Unfair, Deceptive, or Abusive Acts or Practices policy due to Sun West Mortgage not abiding by their own Lien Waiver and Release contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX is indicating Your credit-based insurance score received on XX/XX/XXXX, was a XXXX, which qualified you for a XXXX XXXX XXXXXXXX Your credit-based insurance score received on XX/XX/XXXX, was a XXXX, which qualifies you for a XXXX XXXX XXXXXXXX The XXXX XXXX XXXX will apply at your next renewal beginning XX/XX/XXXX. 


I am concerned that XXXX XXXX is issuing scores not based on accurate credit scores as my score is unchanged from XX/XX/XXXX. I am concerned XXXX XXXX informs the insured has a lower premium level to raise the premium even though their credit score is high. 


I have contacted trans union about this issue. I spoke with XXXX. Per transunion My score is over 800 which exceptionally high. 

Transunion is not being transparent on how they determine their credit base score for insurance companies to rely on. I am unclear how their formula or system works and it is arbitrary since I have a credit score over 800. 


Thank you,

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 2023-06-22 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: MS

Complaint narrative:
I wrote to Transunion on XXXX, and XXXX to dispute several violations that they are committing by reporting inaccurate and unverifiable information on my credit report. They have not sent me XXXX reply back after sending my first letter to them over 75 days ago. This has been very detrimental to me and my family by defaming my character and causing me not to be able to purchase a house for my family. They are not reporting 100 % maximum accuracy as possible by law, and I have requested to all the steps the agency took to insure those items were 100 % accurate under 15 U.S Code 1681i ( 7 ) Method of verification. The accounts are XXXX Number : XXXX, XXXX/Account XXXX, XXXX/Account Number : XXXX, XXXX/Account XXXX, XXXX XXXX  XXXX Number : XXXX, XXXX/ Account Number : XXXX, XXXX/ Account number : XXXX, XXXX/Account XXXX : XXXX, XXXX XXXX/ Account Number : XXXX, XXXX XXXX Account 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 non-monetary relief