vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
US Bankruptcy Court Georgia XXXX ... XXXX... I have previously disputed U.S. Bankruptcy Georgia XXXX XXXX XX/XX/2016 ... with the credit bureaus and in response you verified the item as accurate stating that they have verified the information with the Court. I contacted the Court and their responseis enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the Court was either an error or a lie. Either way the reporting requirements do not comply with FCRA and the information must be deleted immediately.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
US Bankruptcy Court Georgia XXXX ... XXXX... I have previously disputed U.S. Bankruptcy Georgia XXXX XXXX XX/XX/2016 ... with the credit bureaus and in response you verified the item as accurate stating that they have verified the information with the Court. I contacted the Court and their responseis enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the Court was either an error or a lie. Either way the reporting requirements do not comply with FCRA and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank XXXX XXXX has held a {$270.00} Credit Balance of mine for over 3 years. During that time they have made no attempt to contact me either by phone, email, US Mail or any other means. I received no Account Statements during that period. This has the appearance of a profit making Scam, since the letter I finally received offering a settlement was A FORM LETTER this suggests to me that I am not the only customer of theirs that has suffered this same fate. 

They are now offering me a refund 10-14 weeks after their proposed XX/XX/XXXX settlement date. 

Chronology : On XX/XX/XXXX I received a letter from Synchrony Bank stating that I had a credit balance of {$270.00} since XX/XX/XXXX. Offering me a refund of my money if I signed and returned a copy of the letter either by email or US mail. I signed and returned copies by both email and US Mail. I have had no acknowledgement of receipt and have no way of knowing whether my submission was received. 

They gave no phone number or any means to conact them other than an email address that responds via robot and gives me no result. 

THIS IS A SERIOUS VIOLATION AGAINST NOT ONLY ME BUT I'M SURE AGAINST SEVERAL HUNDRED IF NOT THOUSANDS OF CUSTOMERS.

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 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Morgan & Associates, P.C.
State: OK

Complaint narrative:
The original creditor was XXXX ( this is to amend an earlier report that inaccurately listed the original creditor ). Due to financial hardship ( loss of jobs ) in approximately XXXX, I could not continue the payment on the account. It was sent to Morgan and Associates in XXXX  XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with Morgan & Associates that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. I didn't hear from them for quite a while until I became aware of a default judgment against me in XXXX. They had served the renter of our property, and I never received the summons. Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 602 A. Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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:
I sent in paper work on XX/XX/2022 in regards to a fraud inquiry thats named XXXX XXXX but it is still reporting. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have had a business credit card in my business ' name since XXXX/XXXX/2016, yet it has NEVER shown up on my business credit card rating. My XXXX XXXX XXXX shows NO lines of credit. I use this card every month and have done so since 2016.

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 2022-06-13 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I called and spoke with a representative at Equifax on XX/XX/XXXX. I requested the results for all disputes submitted after XX/XX/XXXX. The representative stated he was able to provide results for some but unable to provide me results for all disputes. I asked " does that mean Equifax does not have the results for these disputes '' and he responded " it is possible that is the case ''. I demand Equifax provide me with complete and accurate results for all disputes filed after XX/XX/XXXX including but not limited to the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
There was a random charge on my checking account from a vendor I generally shop with online, but the problem was that charge wasnt authorized by me. I called the vendor to see if there was any charge from them on my debit card and they said no. I notified the bank right away to dispute such charge so they could look into it. After a couple of days I followed up with a phone call to see the status of my dispute only to find out that some how the bank erroneously charged me from a vendor that I frequently use.That sounded real sketchy to me and I wanted to have CFPB look into banks activities. What if I didnt notice such charge? Would they have told me? Was it really an error? 
I must add they have since refunded the money and any accommodating fees back to my 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 2022-06-13 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: FL

Complaint narrative:
I want to report, errors, fraudulent, incorrect accounts, unauthorized inquiries, miss spelled, personal information, address that's are in my credit reports ...... 
I have more than ninety-eight unauthorized inquiries twenty six different names in my credit report, I contacted XXXX, Transunion, and XXXX FOR THE FRADULENT INFORMATION I HAVE IN MY CREDIT THE DONT WANT TO HELP ME. 
I need hep to get those incorrect information 's and account of my credit please.

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 2022-06-13 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Originally filed a complaint # XXXX when XXXX XXXX XXXX placed a delinquent account on our credit report in the amount of {$2800.00}. Again it shows it is collecting foXXXX XXXX  XXXX & XXXX XXXX, which by the way we never had. We did have XXXX XXXX XXXX for internet and confirmed with them our account was in good standing, in fact had a {$18.00} credit. After this original complaint ( which was verified to be fraud ) and the complaint deleted. Now another company using the name Sunrise Credit Service in the same amount {$2800.00} has placed a derogatory non payment on our credit report on XX/XX/2022. Shows account XXXX... 

The last time we filed a police report and started with XXXX. Not sure if we need to file another report or not. 

Thanks for your time, XXXX XXXX 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 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX ( originator XXXX ) Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX ( originator XXXX XXXX ) Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
I move out of an apartment in XXXX on my own accord. 
This law firm is coming after me for the alleged debt. 
I do not have a contract with the stated/listed agency. 
They claim they have a default judgment ( in XXXX ) but I haven't seen one yet. 
I filed a motion with the court to set aside because I am paying child support and the judge ordered a 60 day STAY on the case. 3 days later the attorney filed a dismissal in XXXX of XXXX. 
XXXX of XXXX they filed a continuing garnishment order in another county. I filed a traverse and upon the hearing the judge stated he didn't want to go against another judges order and wanted me to take back to the court of original jurisdiction. 
Upon getting copies of the Document I realized the Affidavits/ complaints are filled out by the attorneys in which they cant attest to any of the facts because they are a 3rd party. Actually a 4th party to the matter at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
The original creditor was Citibank ( this is to amend an earlier report that inaccurately listed the original creditor ). Due to financial hardship ( loss of jobs ) in approximately XXXX, I could not continue the payment on the account. It was sent to XXXX and XXXX in XXXX  XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with XXXX XXXX XXXX that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. I didn't hear from them for quite a while until I became aware of a default judgment against me in XXXX. They had served the renter of our property, and I never received the summons. Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way 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 2022-06-13 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I informed Bank of America that my wallet had been stolen and that I had unauthorized credit card charges on my secured credit card. They had taken the charges off but put them back on there. I have no problem paying my bill, but these are not my charges and I did not give my credit card to anyone. This is effecting my credit rating and I do not know what to do and need your help. I would like to pay my bill but I will not pay for charges that I did not do. Thanks in advance. 



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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 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Is now over one year, and when I believed the case was closed here we go again another request yet from another collection Agency. 

This is now the fourth agency sending this for collection and every single time my XXXX score is affected currently my XXXX score went down to XXXX down from XXXX. 

This fourth request comes from Convergent Outsourcing Inc . I have very politely explained to them ( XXXX XX/XX/2022 ), as done with the other collectors, that XXXX engages in the practice of overcharging its customers. In my case instead of billing me for 7 days they billed for 30 days. 
so it is so clear that despite the efforts of the CFPB these type of establishments ( Debt Collectors ) continue to engage in unfair, deceptive acts and practice. They state on their letter that they have verified the validity of the claim and that is false. I refuse to pay more that owed. You can see the type of damages they can cause to the consumer. Look at my XXXX score from XXXX to XXXX. I hope a stop can be put to these entities from acting without any regards to the damages their actions can cause the consumer.

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 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JNR Adjustment Company, Inc
State: MO

Complaint narrative:
I just received a collection notice from a collection agency from XXXX XXXX XXXX they are trying to send me to collection for returning a car after they closed, they were closed Sunday and they lady didn't look in their return key slot and in the parking lot because they are next to a XXXX XXXX, they don't have designated mark stalls. 

I have my communication with the agency as well as pictures and my XXXX receipt home and they have camera so they know when I pulled up?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation