vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent my first letter asking to investigate the following XXXX XXXX XXXX XXXX. 
# XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX. 
# XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
also to remove a an accurate address listed on report XXXX XXXX XXXX XXXX IL, XXXX I Also sent another letter on XX/XX/XXXX with no response from the credit bureau.

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 2022-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed the debt collector ( XXXX XXXX XXXX ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus. On XX/XX/XXXX which is the deadline for Their 30-day validation window. I would like transunion to open an investigation. If I do not receive a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like Transunion to take it off my credit report. As is my right under the Fair Debt Collections Practices Act ( FDCPA ).

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 2022-10-23 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: IL

Complaint narrative:
To whom it may concern I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! Transunion, XXXX, and XXXX are in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.I did not GIVE ANY WRITTEN instructions to FURNISH a late payment from XXXX on my CONSUMER REPORT! The late payment came from a fraudulent purchase that was made while I was incarcerated and eventually incurred a late payment. Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an XXXX ( me ), and the person making the REPORT which is Transunion, XXXX, and XXXX. So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.

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 2022-10-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent my first letter on XXXX XXXX XXXX XXXX  to investigate the following XXXX XXXX XXXX XXXX  Please verify this accountXXXX XXXX XXXX XXXX
Please verify this account. XXXX XXXX XXXX XXXX  Please verify this accountXXXX XXXX XXXX XXXX
Please verify this account. XXXX XXXX XXXX XXXX XXXX  Please verify this account.

I also asked to remove two  inaccurate address reporting on my credit report XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX I aslo sent another letter on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received the debt collector from Convergent, address of the business is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, WA XXXX, phone : XXXX. 
The letter said I own {$320.00} from XXXX XXXX, but I called XXXX and they said I don't own anything. However, my credit report go down XXXX  points, and the report said I have collected from Convergent. I am keeping calling XXXX and they said I don't own any money, but they send the report to the collection. 
Please help

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 2022-10-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 2022-10-23 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: IL

Complaint narrative:
I sent my first letter on XX/XX/2022 to investigate the followingXXXX  XXXX  # XXXX Please verify this account. 
XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX XXXX  # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 

Also to remove a in accurate address on my credit reportXXXX XXXX XXXX XXXX IL, XXXX I aslo sent another letter on XX/XX/2022 requesting the same thing with no reply from the bureaus.

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 2022-10-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 2022-10-23 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: MD

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. 

Account Number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: GA

Complaint narrative:
I have tried to resolve this issue via Synchrony dispute 3 times. The dispute was mishandled by Synchrony 2 times. During the 3rd dispute, I was provided a partial credit. I filed a 4th dispute tonight, as my dispute has not been resolved and unfortunately, Synchrony has been unwilling to appropriately handle this financial matter. 

KEY FACT : I do not have any of the bedroom furniture purchased from Ashley Homestore XXXX. The damaged furniture was returned and the replacement furniture was never delivered. Therefore all of the money paid for the bedroom furniture must be refunded/credited back to my Synchrony account. A partial refund is unacceptable. 

DISPUTE DETAILS : On XXXX, we purchased bedroom furniture from Ashley XXXX XXXX, that was sold to us under fraudulent pretenses ( the guise that it would be assembled ). We were promised by the salesperson that the furniture would be assembled and were clear that unassembled furniture was not an option. It was delivered and was not assembled, as promised. After several calls to both Corporate Ashley and the XXXX store, an assembly person was sent XXXX. The furniture was damaged when he opened box and he damaged the remaining furniture in his failed attempt to assemble the remaining pieces. XXXX We purchased replacement furniture and paid {$2800.00} but Ashley never delivered this furniture, despite a scheduled delivery date of XXXX. ASHLEY PICKED UP THE DAMAGED FURNITURE on XXXX. We have received a partial refund and credit but Ashley STILL OWES us the remainder of the monies paid for FURNITURE WE NEVER RECEIVED. 

DETAILS OF REMAINING MONEY OWED : XXXX : {$2800.00} paid for replacement furniture that was never delivered XXXX : {$760.00} refunded back to my XXXX card XXXX : {$1000.00} credited to my Synchrony account ASHLEY STILL OWES US : {$1100.00}

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 2022-10-23 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: WI

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$560.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$570.00}, Original Creditor Name XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$130.00}, Original Creditor Name XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$51.00}, Original Creditor Name XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$170.00}, Original Creditor Name XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX. XXXX, XXXX, XXXX {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-23 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: IL

Complaint narrative:
To whom it may concern I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! XXXX, Equifax, and XXXX are in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.I did not GIVE ANY WRITTEN instructions to FURNISH a late payment from XXXX on my CONSUMER REPORT! The late payment came from a fraudulent purchase that was made while I was incarcerated and eventually incurred a late payment. Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an INDIVIDUAL ( me ), and the person making the REPORT which is XXXX, XXXX, and Equifax. So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! XXXX, XXXX, and Experian are in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.I did not GIVE ANY WRITTEN instructions to FURNISH a late payment from XXXX on my CONSUMER REPORT! The late payment came from a fraudulent purchase that was made while I was incarcerated and eventually incurred a late payment. Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an INDIVIDUAL ( me ), and the person making the REPORT which is XXXX, Experian, and XXXX. So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank allowed mortgage information extended to vendor XXXX XXXX. Personal information was compromised. They sent notice of vendor security incident letters to me and my wife. We are supposed to get two years of XXXXXXXX XXXX XXXX free. The only way we are being allowed to get this monitoring is if I have a smart phone which I do not. I informed them of this and reiterated they should allow me to get this credit monitoring through my email address. so far after saying they would address it and the end of XX/XX/2022 they have ignored me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 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: DISCOVER BANK
State: OR

Complaint narrative:
My name is XXXX XXXX I am writing this about my Discover card # XXXX my address is XXXX XXXX XXXX. XXXX, XXXX. XXXX. My phone number is ( XXXX ) XXXX. 
On XX/XX/XXXX and on XX/XX/XXXX I had to take my husbands to the DR. and they made us pay up front for the charges, The first charge was in the amount of {$330.00} and the second charge was {$560.00}. Our insurance company paid these charges, and the XXXX XXXX wouldn't credit them back. So, I filed a dispute and sent a copy of the insurance payments over to discover as proof of the double payment. In the meantime, I had a fraud to my account from XXXX XXXX, so discover changed my account #. That dispute was done correctly. I never received a credit for the dispute of the XXXX bills and on XX/XX/XXXX I was charged again for the XXXX XXXX bills. I have called about 13- or 14-time spending over an hour each time on the phone with discover to get one of the credits applied to my account on XX/XX/XXXX. then on XX/XX/XXXX I received a partial credit for the other charge. I received a credit of {$820.00}, this credit I am unable to send a copy of because I closed the account and can't access it. When you add the two charged together, they total {$890.00}. They still owe me {$70.00} for the bills and I should also receive the interest that I have been paying on these charged since I never received a credit and was charged again. I also requested to file a formal complaint and they keep telling me that a supervisor will call me back in 24 to 48 hour and no one ever does. I now canceled this card and want the credits applied to my account along with interest. Before I pay it off.

Company response to consumer: Closed with monetary relief