vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 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: LA

Complaint narrative:
This account has been closed and charged off since XXXX. They illegally re-aged my account and have been inaccurately reporting this account. They have also refused to delete as a result of the inaccuracies. Instead, they are updating an account when it should be deleted. The open dates are wrong. They reported " payments or OK '' status in XX/XX/XXXX and XX/XX/XXXX when no payments or contact was made. The last reported dates are inconsistent and inaccurate. The high credit balance is inconsistent and inaccurate. As a result, this has re-aged the account to benefit the credit grantor for the charge-off statute of limitations. These are major violations of the FCRA and I respectfully request that this account is 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 2022-01-23 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: LA

Complaint narrative:
This account has been closed and charged off since XXXX. They illegally re-aged my account and have been inaccurately reporting this account. They have also refused to delete as a result of the inaccuracies. Instead, they are updating an account when it should be deleted. The open dates are wrong. They reported " payments or OK '' status in XX/XX/XXXX and XX/XX/XXXX when no payments or contact was made. The last reported dates are inconsistent and inaccurate. The high credit balance is inconsistent and inaccurate. As a result, this has re-aged the account to benefit the credit grantor for the charge-off statute of limitations. These are major violations of the FCRA and I respectfully request that this account is deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX ( Paid in Full ) {$1500.00} XXXX XXXX XXXX ( Paid in Full ) {$670.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 non-monetary relief
Consumer complaint received 2022-01-23 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX ( Paid in Full ) {$1500.00} XXXX XXXX XXXX ( Paid in Full ) {$670.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I settled with the company XXXX XXXX in a court hearing in the amount of {$1500.00}. It was agreed upon that if the amount agreed ( 1500.00 ) would settle the debt in full ( original amount was {$3100.00} ) if payment was received within 30 days the civil case and account would be closed. Check was received by them in XX/XX/XXXX, cashed, and applied to my original balance.I fulfilled my part of the judges order however I received a paper in mail stating that I owed the other half of the original debt amount which was not agreed upon in the court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Charlottesville Bureau of Credits, Inc
State: GA

Complaint narrative:
My refund I never received 2 years put banks account in my name threw online banking hacked all my accounts my son school email my devices stalking me I haven't never ever seen her face to face. Stole unemployment 10,200 stole my stimulus checks I been going threw this 2 years I'm scared to file this year cause I don't know who too trust I show prove police fbi president everybody I could and everyone turned they back on me and my kids and daughter pregnant staying at her friend 's house cause my hackers ruined my life and I lost everything.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I cancelled my extended warranty directly from the company ( XXXX ) on XX/XX/2021. The extended warranty company informed the dealership where I purchased the vehicle and the warranty on XX/XX/2021. The next step is for the dealership to send the refund check to Mazda Financial where I am currently paying for the car and the extended warranty. It has been more than 60 days with no response from the dealership and Mazda Financial is unable to help as well. Essentially I am paying for a product that already has been refunded back on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$970.00} XXXX {$1000.00} XXXX {$680.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$190.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Nationwide Recovery Systems XXXX is calling me multiple times a day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and will not tell me what it is about until I provide them my full name, SS #, date of birth, and address. I refuse to due this and they hang up. 

As I do not have anything in collections, this is harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: PA

Complaint narrative:
I requested validation regarding an assumed bankruptcy that is reporting to my consumer report. The reference number along with court names are not reporting the same information between TransUnion, XXXX, and XXXX. Also, after I disputed these items and the credit bureaus failed to provide the method of use to validate the account, instead I received a letter from TransUnion stating after investigation it was verified as accurate. The term investigative consumer report means information on a consumers character, reputation, characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer. An investigation was not done with any of these sources.

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 2022-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened Amazon Store Credit Card with synchrony bank last XXXXI was using my card responsible and paying it on time however when i was purchasing some goods from Amazon.com and my card was declined.I logged in my account and it was saying " This account has been closed. No further purchases will be allowed. Continue to make payments until your balance is paid in full. '' I directly called the bank and told them there should be something wrong because there was not any problem between me and the bank until they close my account.They advice me to wait 5 business days and i will get mail from the bank that explains why my account closed without any notice.After couple days i received mail from the bank that says " Activity on account ( s ) with Synchrony bank indicative of high risk of failure to pay '' .I called the bank again and requested to talk supervisor for activate my account back because the reason bank provided to me was not acceptable. I explained the supervisor that i am employee of Amazon, also have 2 e-commerce business and most importantly that 8 years of my credit history, i have no late payment at all.She said she opened ticket for this situation and unfortunately i received final result that says they can not be able to open my account back.They advice me to apply again for the same card which i would not do that way. 

As a result.Synchrony bank shut down my account without any notice and unfairly so i could close my account before bank gets any closing action.Because of this situation, my credit score went down more than XXXX points also their inquiry will show up on my credit file 2 years and bank also would not give my any points that i collected with my purchases. I am very upset for this situation since i am in good shape and very responsible person financially. Please help me to get resolve for this situation. 

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 2022-01-23 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: FL

Complaint narrative:
On XXXX XXXX XXXX I submitted a a Complaint with the CFPB Report Number XXXX RE : TransUnion that they received as well, In reference to my previous dispute that was delivered on XXXX, XXXX. TransUnion responded back to my Complaint on XX/XX/XXXX, stating that they are STILL INVESTIGATING MY DISPUTE ALONG WITH THE DOCUMENTS I SUBMITTED AND WILL NEED 60 DAYS. THIS IS ABSURD. TransUnion RECEIVED my dispute back in XXXX and this is CLEARLY NOT IN COMPLIANCE WITH THE FCRA as the DEBT COLLECTOR ( S ) HAS 30 DAYS ONE TIME TO VALIDATE/ VERIFY THE DEBT. OR IT MUST BE DELETED. XXXX has provided two amounts as the BALANCE OWED is HIGHER THAN THE ORIGINAL BALANCE which is INACCURATE REPORTING. Diversified Adjustment Service, A REAGE ACCOUNT AND, IS ILLEGAL ACCORDING TO CFPB, and was VERIFIED WHEN DISPUTED. In Addition To, the THE DEBT COLLECTOR ( S ) is the one presuing to collect on the debt and SHOULD HAVE ALREADY ACCURATE/ COMPLETE INFORMATION FOR THE DEBT FROM THE ORIGINAL CREDITOR. THIS IS JUST ANOTHER TATIC THAT TRANSUNION USES TO CONTINUE TO REPORT INACCURATE ACCOUNTS TO MY CREDIT REPORT. ALL PARTIES INVOLVE HAS A PART IN THIS PROCESS AND I'VE DONE JUST THAT. DEBT COLLECTORS MUST FOLLOW THE FDCPA according to the CFPB. I have attached the documents AGAIN.regarding the INACCURACIES OF BOTH OF THESE ACCOUNTS AND, THE DISPUTE PROCESS BY MAIL THAT STATES ON TRANSUNION WEBSITE. I will be seeking legal counsel regarding this.

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 2022-01-23 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: GA

Complaint narrative:
I never consented to authorize nor benefited from all Inquires and accounts mentioned on my Identity theft repot, Block and delete them. If I have received goods and services from the furnished Inquires and account, let XXXX, XXXX and Transunion have one of their senior executive certify under the penalty of perjury that I did received good and service from those 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 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I never consented to authorize nor benefited from all Inquires and accounts mentioned on my Identity theft repot, Block and delete them. If I have received goods and services from the furnished Inquires and account, let Experian, XXXX and XXXX have one of their senior executive certify under the penalty of perjury that I did received good and service from those 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 2022-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I filed a dispute demanding to verify or remove the accounts immediately from my report. I did not get a response or was notified of any investigation results or procedures that were taken place. After 30 days past, On XX/XX/XXXX 2 accounts from the department of XXXX were removed from my credit report as well as 4 Accounts from the US Dept Of Education was also removed from credit report. XX/XX/XXXX XXXX reported and added back 3 accounts of the US department of education to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning had no permissible purpose to furnish a report on my character. I never consented or gave you any written instruction to furnish a report nor receive a response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. So, Early Warning is in violation and comity identity theft.

Company response to consumer: Closed with explanation