vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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: IN

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

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 2022-04-05 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: MN

Complaint narrative:
In XXXX of last year was when the 1st problem started where on my credit report through trans Union and through XXXX XXXX  decreased by XXXX plus points when only positive things occurred on my credit report meaning accounts were removed and balances decreased no interest was gained on any debt no payments were missed yet the my score dropped by XXXX points. Again in XXXX of this year my score as well with TransUnion and XXXX XXXX  decreased by XXXX points they have since changed it on their side because I complained so now I dropped XXXX points points but again nothing changed no interest was gained on any debt that I have no payments for missed aid balance decreased and An collection account which was on my report which was not mine was finally after a year and a 1/2 proven that it was not mine and they have removed it. And my score drops XXXX points. I contact both companies they both just blame the other 1 no 1 can give me actual explanation as to why they dropped when things positive happened to my account and I need help. I have worked so hard on getting my credit back to a good level because I live in such a dangerous neighborhood I am struggling to get out of this neighborhood so I have been working on my credit since they dictate how people live their lives and now in 2 months they've taken my credit down from a good to now a poor. So I just can't understand why no one can provide me with the information that I'm asking everybody wants to just blame the other person I want to know why and I've looked at all of the models that people use for calculating our scores so I know that it noh that a no model is there a situation where my credit score should drop in this type of situation I wasn't even looking for it to increase I would have been happy with it staying the same back starting in XXXX because that way I know that I would be on the right track but every time I do something positive my scored drops so what am I supposed to do Also now when I try to contact the company 's TransUnion won't even let me get through their automated system to get me on the phone to talk to somebody and credit karma now is playing this game where they can't respond to my emails saying that I'm not emailing them from the account that is listed with them and that's completely

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 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
I see multiple items from this company being reported to my account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TX

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET 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

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-04-05 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: LA

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I was not disclosed on the XXXX and XXXX Contract that I signed for purchase that this loan would be reported to any of the three credit reporting agencies, mainly XXXX, XXXX and XXXX XXXX. Furthermore, I am not aware of M & T 's practice on sharing my information with third parties. They have not disclosed what my rights are in that matter. I dispute any reporting of any loan commitments with M & T Bank since it was not disclosed beforehand and I did not have the opportunity to study its terms.

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 2022-04-05 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I made a purchase from Amazon that did not work for me, I returned it XXXX  tracking number XXXX amazon received it and issued a refund. Synchrony/Amazon Bank falsely states that I owe them even though Amazon has credited my account two times chargeback XXXX & falsely reports me 30 days late and is double billing store card account ending in 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 monetary relief
Consumer complaint received 2022-04-05 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: UT

Complaint narrative:
This company took more than 30 days to respond to my dispute letter when it was received. Under the FCRA 609/611 They are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. They are required to do this under the FCRA 609/611 provisions. I demand the disputed accounts to be deleted. 

Disputed letters : Date received XX/XX/22 Date replied XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Sezzle Inc.
State: TX

Complaint narrative:
I have an account with Sezzle that is reporting as delinquent and over the limit on the balance however that is incorrect. I paid this account in full on XX/XX/2022. I made a new purchase on XX/XX/2022 for {$170.00}. My limit is {$400.00}. I currently have XXXX payment left of {$40.00}. None of the payments for this purchase have been late however my XXXX credit report is showing delinquent and that I owe {$420.00}. It also shows that Ive made no payments which is incorrect. I have disputed this with the company through the credit agency however it was updated with the same incorrect information. Ive attempted to talk to a representative as well with no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: OR

Complaint narrative:
I want to use car lot to buy a car but, they Deny me because I couldnt pull my credit report and I was unable to pull my report because, I have a freeze on the account, I need to unfreeze it and manage the freeze, But Im been unable to because, The email that is signed to the account is old, And I doesnt I dont use the email anymore, I been try to contact the credit Company, Since 2020.

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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I had another complaint submitted before, complaint ID # XXXX for you reference. 

I just received another letter from a different collection agency that works with XXXX, Amsher Collection Services , IncXXXX XXXX is still harassing me with the same thing as I complaint before. I don't owe XXXX any money, I asked my bank to dispute the charges from XXXX because they tried to charge me the services I already cancelled, and the claim center of my bank was investigating and waiting for XXXX 's bank 's response, but XXXX totally ignored my bank, no response at all for over 1 month. XXXX just kept harassing me by telling different collection agency sending me the letter to scare me. Whoever works for XXXX  should be ashamed for harassing the consumers that doesn't owe XXXX any money! Please help me with this! It seems like it will never end! 

XXXX is the worst!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The company has provided myself and the CFPB a debt validation letter that includes a medical diagnosis of the alleged patient, but have not provided a signed HIPAA release form. That is a HIPAA violation and this debt must be removed immediately, or they will face fines and legal action.

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 2022-04-05 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: TN

Complaint narrative:
Anyone can send a bill and claim ownership, therefore an itemized bill does not imply that the debt is valid.

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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
I see debts on my credit report from an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I purchased the car in XXXX. My original loan amount was approximately {$9300.00}. My payments are {$270.00} a month. My loan is held by Credit Acceptance Corp. When I originally got the loan, I arranged for my payment date to line up with my pay dates, at the end of every month. I submitted my payments by that payment date. Approximately 4 years later, I learned that the company had been considering all my payments as late and I believe reported it to the credit agencies as such. They also assessed late fees to my payments without notifying me. Several of my payments have not been recorded or counted toward the payment of my car or debt. As a result, I have been paying on the car for almost five ( 5 ) years, and I am told that I still owe over {$4000.00} on my car. I have proof of my payments on months which they said were not paid. I presented proof of payment and was ignored. I have repeatedly requested payment history and have never received such. They do not send my monthly statements, and the online account with the company does not allow you to see payment history. There have never been any attempts to repossess my car, despite the inaccurate claims of non-payment. At this point, I believe I have more than paid off this debt, I also believe they have severely damaged my credit history.

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 2022-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/2022, I sent out my dispute letters. 
Today, I received a letter from TransUnion saying they don't think it's me. 
I called transunion, and they repeatedly told me they had sent me verified results on XX/XX/XXXX, but all I received in the mail today was a stall letter, so they didn't have to do their job. 

I have attached my letters I sent out including the stall letter I got in the mail today.

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 2022-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
On XXXX, I contacted speedy cash at which time I requested validation of the bill and requested an itemized statement with a copy of my original receipt/invoice with my signature. I never received the requested information. I received a credit bureau notification today in which a collection agency AD Astra Recovery servicesXXXX is reporting a negative on my 3 credit reporting agencies. As of today XXXX, I have not received a phone call nor a notice of bill and rights to dispute. I called today and spoke to XXXX who then transferred to Manager XXXX. I informed them that on both communication with speedy cash on XX/XX/XXXX and XX/XX/XXXX, I requested an itemized bill with a copy of the original receipt with my signature which I never received. 
Today, while on the phone with XXXX from AD Astra Recovery services, She lied and stated to me that I spoke to the collection agency on XX/XX/XXXX. I informed her that I did not speak to them however it was Speedy cash, she then went along and admitted that they purchased this account from speedy cash on XX/XX/XXXX and that they have not spoken to me. XXXX the manager has been made aware of this situation and per her request sent an email of dispute to XXXX. Copy of this complaint is being sent to Consumer Financial Protection services As well as Ad Astra Recovery Services. Certified Letter has been sent to Ad Astra Recovery Services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Want off report not mine

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 2022-04-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
Asked for debt verification and failed to verify it or respond to my debt verification letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I see debts on my credit report from an account that is not mine.

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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Debts that are not mine are reporting to my credit as a collection.

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