vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX with account # XXXX is stating I owe {$2100.00} because they are adding a collection fee of {$150.00}. Now they have went an put on collections as I owe {$2300.00}. Yet, when called I was directed to a collection agency. They are XXXX XXXX act # XXXX stating the same amount of debt on file with XXXX  XXXX The collection from XXXX is one reporting imporperly as it should be XXXX XXXX furnishing on my credit file and XXXX would technically be a charge off account. Yet, heres the kicker... ..XXXX  is part of XXXX. I noticed that I had a collections once it hit all three of my credit files. I was not sent anything to dispute this debt an be givin 30 days. They are now violating many of my rights under the FCRA because not only are they furnishing incorrectly and I have right to 100 percent accurate credit file at all times they now added fees for collections that in which is aginst the law. But doing as if its XXXX but its for XXXX. Also after seeing they put on credit without validating or sending me anything they then sent me a dunning letter with ofcourse more violations to count! XXXX didnt even send the proper validating papers. I was one piece of paper. I called to request where they came to amount as I need an itemized bill to explain and the papers they sent make no sense as im not sure where amounts are comming from. This account needs deleted due to many violations to my rights. Both accounts are not accurate and clearly cant validate properly the debt and I want deleted and for XXXX to handle the invoice within the thirty days as I have the right under the FCRA.15 USC 1692f ( I ) unfair practices XXXX Violated- paper dont tear to send in amount Violated proper furnishing of credit file Violated adding fees to a debt bought out Violated communications to validate before furnishing file Violated still being on credit file while being disputed threw below account that's actually XXXX  account. 
XXXX Violated- Dunning letter symbols Violated where paper dont tear for amount Violated claiming a debt when I didnt get to dispute when stating XX/XX/XXXX  Violated being as they will accept money but check to be made out to XXXX and manyyy manyyy more violations thats on the invoice. 



wont allow me to add more photos*** I have more of the documents if needed but I think these should be sufficant enough

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 2023-06-14 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: CA

Complaint narrative:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible 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 non-monetary relief
Consumer complaint received 2023-06-14 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: CA

Complaint narrative:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: CA

Complaint narrative:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible 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 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
On XX/XX/2023 I parked in a handicap spot and used my XXXX again and initially it said paid. When I got to the restaurant It said there was a problem, so it then said not paid.. I was taking care a person with a XXXX so I was unable to run back to my car.. I immediately used all resources listed in the app to contact but couldn't get any answer or resolution and immediately received a ticket. 

The app didn't work properly and did not provide a simple way to resolve. I feel a little scammed because the app initially said paid, then only later did it say it didn't work. 

'I don't feel that I should pay all these fines because the app didn't work properly and I tried my best to pay. 

I have attached my text conversation with their " customer service '' to show I tried. I didn't take a screen shot of the app saying it was paid because I didn't think this would become such an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: Grain Technology, Inc.
State: OH

Complaint narrative:
The company, Grain Inc has been very uncooperative with communication. I have emailed and called with out a response. I have paid my debt in full, and they refuse to update my account. My account became late due to technical issues on the app, of which I attempted contact with the company and the attempts were unsuccessful. I have proof that the account was paid, but it still is reported on my credit reports ( XXXX, XXXX and XXXX ) as unpaid, charged off with inaccurate late payments. I have disputed with the credit agencies as well, and they have not been able to show proof that they have verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Truist client is incapacitated and has named our bank as Trustee. We spoke with local Truist rep XXXX XX/XX/XXXX to see what documents were required to allow XXXX  access to accounts. All requested paperwork was submitted on XX/XX/XXXX. We followed up the following week with no response. Finally tracked down branch personnel and were told they didn't have access to secure email so documents were hand delivered to the Truist XXXX XXXX, WV branch on XX/XX/XXXX. We were told via email they were forwarded to Truist legal team. We were told on XX/XX/XXXX that a legal opinion was required since Truist, " didn't have a trust certification on file. '' I requested to speak with Truist legal counsel to clarify what was needed but were told that was " impossible. '' The rep and branch manager only have an email address and clients can't speak directly with legal. We paid an attorney {$3200.00} to prepare the requested legal opinion and hand delivered all requested documents to the representative at Truist XXXX XXXX branch on XX/XX/XXXX. We followed up with the rep on XX/XX/XXXX and were told he would follow up. We have yet to receive a response from Truist. Truist clearly does not have processes in place.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-06-14 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: PA

Complaint narrative:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX  XXXX and the abuse of a XXXX individual as documented in XXXX reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( XXXX  ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

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 2023-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: AR

Complaint narrative:
I had turned my Credit cards over to the XXXX XXXX XXXX XXXX. Somehow CKS Prime Investments had obtain one of my accounts and posted a collection on my credit report. The first one was for a $ ) amount and another one for {$630.00} amount. I have received anything through mail or phone call from this company. All of my credit card amounts are paid in full through the XXXX program. This a false account on my credit reports.

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 2023-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible 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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX TO : CFPB RE : Complaint XXXX to Present Date Update ALL Credit Bureaus to Reflect Account Paid in Full/ Not a Charge Off-Restore My Good Name XXXX. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / New Vehicle ( AKA The chain of Names has changed : XXXX XXXX XXXX, KIA Finance America, and XXXX XXXX in my credit bureaus without advising me as a consumer ) XXXX. 
XXXX XXXX XXXX Total Vehicle Loss / Car Accident XXXX XXXX Paid in Ful Total Loss Claim {$20000.00} Check # XXXX PAID IN FULL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. 
Credit Bureaus were never updated to reflect paid in full account as closed Paid in good standing. 
The account errors to date reflect charged off closed account worst payment status, shows last payment XXXX. Balance owing {$2400.00} in XXXX and 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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
on XX/XX/2023 my account with current was closed for " suspected fraudulent '' activity yet no such fraud has occurred and the company after 3 weeks fails to release the now {$330.00} USD that is in the account any and all attempts to get a straight answer results in a ticket being instantly marked as solved with no response as if they are just hoping i go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
The company XXXX XXXX XXXX is reporting a debt to a collection company that reached me to collect the debt. This is the second collection agency collecting {$1500.00}. The first one I disputed, and it was removed, but apparently XXXX XXXX XXXX has not cleared that out of the record. 

I submitted the Fraud information to the XXXX XXXX XXXX XXXX XXXX ( Incident # XXXX ) The thief used my information to open the account # XXXX with XXXX XXXX XXXX XXXX  The phone assigned to this person was XXXX. In the claim I proved my residency and all the required documents proving it was not me, but it looks like it did not clear the records. 

Could you please help me remove this from my records?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Transaction Date : XX/XX/2021 XXXX XXXX  XXXX I sent money to my cousin who is in XXXX XXXX XXXX He never received money and I never got refund about money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
XX/XX/2023 Account number : XXXX On XX/XX/2023 I received a letter form Javitch Block LLC regarding current creditor - XXXX XXXX XXXX XXXXXXXX / Original Creditor - XXXX XXXX XXXX in the amount of {$32000.00}. 

On XX/XX/2023 Javitch Block LLC received my detailed response via Certified Mail/Letter from me at XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX via asking them to please provide me proof of the alleged debt with the following information : What the money they say I owe is for, Explain how they calculated what I owe, Provide me copies of papers that show I agreed to pay what they say I owe, ; Identify the original creditor ; provide the statute of limitations has not expired on this account ; show me that you are licensed to collect in the state of Texas ; provide me with their license numbers and registered agent credentials. 

I also request in writing that no telephone contact to be made by their office to my home, cell phone or place of employment. Which was not abide by, as I am still receiving phone calls daily. Ive still yet to receive a response letter back from Javitch Block LLC within the XXXXday period, which puts them in violation. This negative entry has cause me lots of denial on applications submitted to various institutions, and needs to be Deleted Immediately. 

Sincerely, 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 2023-06-14 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony bank has mishandled the allocation of my monthly payments towards promotional " no interest '' if PIF purchases. Initially I was told via phone that my automatic payments were going to my oldest promotional purchases first. Later I was told over the phone that I needed to call in every month and explain to a representative how I wanted my payments allocated. Synchrony did NOT allocate my payments as requested every payment month. This was an intentional act on Synchronys part in order to cause my promotional purchases to default so they could collect interest. At no point should any of my promotions have gone into default. Each one was set to be paid in full before the promotions expiration date. Synchrony was willfully negligent in distributing my payments. I called Synchrony again to try and resolve the issue on XXXX/XXXX/XXXX. A supervisor refused to share phone records and told me to subpoena them if I wanted them. I have my cell phone records that show phone calls to their XXXX phone number that last anywhere from 15-30 minutes. These records show outgoing calls I made every month where I request allocation of my payments to older promotions so they would not default. During these calls I was assured each time my payment was being distributed as requested and my promotions were in good standing with no chance of defaulting. I have paid my remaining balance to Synchrony bank in full minus the accrued interest they are requesting. I have since closed my account and Synchrony continues to change interest after they broke their agreement to distribute my payments to the promotions I requested. They are obligated to remove any interest accrued on this account. Their previous response was unacceptable and it further illustrates my point. They could not locate phone records. Also the response did not provided a contact email or phone number from the responding representative.

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 2023-06-14 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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