vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP continues to use false, deceptive, and misleading information in its illegitimate attempt to collect this alleged debt. Its unclear to whom Dunlap Gardiner LLP is referring to when it references The owner. However, it is deceptive to state that membership to the association is by default upon purchase of a home in XXXX XXXX XXXX without providing legal proof in the form of a legitimate enforceability agreement between myself and the association to back up such a claim. Dunlap Gardiner LLP and its client, the association is not qualified to speak to the facts regarding the purchase of the home as it does not have firsthand knowledge to this consumer credit transaction as neither of the above mentioned was present at the time of this consumer credit transaction. Im the only one that can speak to the facts of that consumer credit transaction as I was the only one involved with this situation present at the time of the consumer credit transaction. Nowhere in the Hud-1 statement, or other closing documentations signed referenced anything about an agreement to join this fictitious association. Dunlap Gardiner LLP and its client, the association continues to infringe upon my federally protected rights as a consumer by its constant harassment, use of intimidation, use of false, deceptive, and misleading attempts to force me into paying this alleged debt in which Dunlap Gardiner LLP and its client, the association does not have any legal right to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: OH

Complaint narrative:
on numerous occasions i have contacted the credit bureaus to remove information that is not accurate on my credit file XXXX XXXX has violated my rights multiple times by reporting such information XXXX15U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. every time i tell them to delete the information and advise them of the rights and laws they are breaking. i will file a lawsuit if they do not delete the account below account- XXXX XXXX XXXX -acct # XXXX XXXX XXXX - acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I would like to lodge a complaint against Truist Bank regarding the annual fee charged on my credit card. I was charged this annual fee XX/XX/XXXX, with a memo stating the fee was for XX/XX/XXXX through XX/XX/XXXX. Then on XX/XX/XXXX, I was charged this annual fee again, 3 and a half months early. When I contacted Truist on XX/XX/XXXX, I was informed that annual fees are sometimes charged " a little early ''. While I could understand two weeks being a little early, I think that 3 and a half months early is outside a reasonable expectation of " a little early '' for an annual fee, which is usually every 12 months. That's more than 25 % early! Continuing on that fee schedule, Truist will charge me an entire extra annual fee after just four years ( collecting 5 annual fees in four years, one every 9 months ). This is effectively a 25 % increase in the annual fee, without notice. I am not familiar with all of the details of the regulations, but you would think 3.5 months would exceed what would be considered reasonable for when an annual fee could be charged " a little early ''. I asked Truist to prorate the latest annual fee, and they refused, stating they could only waive the fee and cancel my account, which is not what I want to do, considering the impact it would have on my credit score to close the account. 

Can you help me understand if, and why, this is ok for Truist to do? Is there any other recourse available?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX account # : XXXX, XXXX and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # : XXXX, XXXX and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the 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 2023-03-24 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: PA

Complaint narrative:
these reportings that do not belong to me are impacting my life negatively making day to day living impossible and making it hard for me to try to move forward in my life

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 2023-03-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : ( XXXX ) and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : ( XXXX ) and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase from the Lowes XXXX store. The clerk told me if I signed up for a Lowes credit card I would receive and additional 10 % discount. The clerk had a great deal of problems getting me signed up for the account. I pulled out my XXXX card and swipe it thinking the charge was being placed on my XXXX card. The charge was actually on the Lowes account. I found this out after reviewing my XXXX charges. I called Synchrony bank and they reversed the charge pending a review. In the mean time I discover my error and called them back informing them that the charge was mine. They placed the amount back on my account. I then paid the amount due on line. They stated they could not find the payment. So I sent them a copy of my bank statement which they did not accept. After numerous phone calls and support faxed to them they still as of this date have not resolved the issue. They lost the item I returned for credit, I supplied them with a letter from XXXX  XXXX XXXX stating the monies did come out of my account, it went to Synchrony for the net amount of the purchase. As of today Synchrony still show the incorrect amount ( {$690.00} ), they can not locate the payment ( even though my bank assures me the information they supplied is enough information to trace the payment as they gave me Synchrony bank reference number ). 
In Synchrony documentation they state they will accept a letter from the bank. I do not work for them and I can not control their accounting department. I have supplied the support they asked for to resolve the issue.

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 2023-03-24 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: PA

Complaint narrative:
Amount of the debt. 15 U.S.C. 1692g ( a ) ( 1 ) ; Name of the creditor owed. 15 U.S.C. 1692g ( a ) ( 2 ) ; Right to dispute validity within 30 days. 15 U.S.C. 1692g ( a ) ( 3 ) ; 15 U.S.C. 1692g ( a ) ( 4 ) ; and 15 U.S.C. 1692g ( a ) ( 5 ). 15 U.S.C. 1681i ( a ). 15 U.S.C.16815-2 ( b ) ( 1 ). 
XXXX {$47.00} ( Equifax XXXX XXXX XXXX XXXX XXXX {$780.00} ( XXXX, Equifax ) XXXX XXXX {$2800.00} ( Equifax ) XXXX XXXX {$560.00} ( XXXX, Equifax, XXXX XXXX XXXX {$680.00}, {$740.00} XXXX XXXX, XXXX, Equifax XXXX XXXX {$770000.00} XXXX XXXX XXXX XXXX, Equifax XXXX fed {$4200.00} ( XXXX, XXXX XXXX EQUIfax XXXX {$4200.00}, {$730.00} XXXX trans XXXX XXXX, XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX, equ ADDRESS REPORT INCORRECT : XXXX XXXX XXXX XXXX pa CORRECT ADDRESS XXXX XXXX XXXX XXXX pa XXXX Hard inquiries removed ( XXXX XXXX, equ ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I REQUEST FOR THIS COMPANY TO VERIFY BY PRODUCING A CERTIFIED COPY OF A LETTER WITH MY WRITING CONSENT GIVING THIS COMPANY PERMISSION TO FURNISH MY PERSONAL INFORMATION.

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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
I called and found out the name they had associated with my phone number wasn't me. They said they would delete my number. I've also blocked their number. But I've received two voicemails from them in two days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: NC

Complaint narrative:
Experian has repeatedly reported inaccurate information on my report. they have Allowed this company to report, update and belie facts of a charge off which blatantly disregards the law. See : inaccurate reports. 

I have reported them to the CFPB # XXXX. This report still didnt force Experian to do their due diligence on the subject. They continued to falsify business records. 

The law states ; 1. my consumer report must be 100 % accurate ; 2. Upon such investigation the information must be modified or deleted.

3. A charge off is reported after 180 days 4. A company does have ANY right to report consumers transaction and experiences 5. No company shall falsify business records ; 18 U.S.C.. 471 & 473 6. No person shall report information thats known to be false The account balance should be reflecting {$850.00}. Experian failed on numerous attempts to have accurate information report on my credit profile.

Experian violated every one of these laws and more.

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 2023-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal Inc demands payment of {$88.00} in fraudulent XXXX transactions. My financial institution and XXXX have both investigated and determined it's fraud. I had to get new bank accounts and rideshare accounts while updating passwords on all my digital accounts. I've contacted PayPal numerous times, including on today, I was told the resolution team closed the dispute and I must pay. I will not pay for charges for services I did not enjoy. I'm at my wit 's end and just want PayPal to do what is fair and right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I mailed a letter to the credit bureaus requesting that an error either be fixed or removed from my reports however, the bureaus sent me a response stating that the information is accurate and did not change anything. This is a factual error and I am now requesting that they be removed due to their inability to resolve the issue properly. Referring to my XXXX  account, Transunion is reporting my 30 days late on XX/XX/XXXX while XXXX and XXXX are not. XXXX is reporting me 30 days late on XX/XX/XXXX while Transunion and XXXX are not. I have uploaded a copy of the letter I sent out along with the credit bureau reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: UT

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-24 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: UT

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-24 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: PA

Complaint narrative:
these reportings that do not belong to me are impacting my life negatively making day to day living impossible and making it hard for me to try to move forward in my life

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