vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : 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 explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
XXXXXXXX XXXX sent my bill to collections at Bull City Financial Solutions who sent it to the credit bureau I was not aware of this .I was never contacted thru mail or phone. I was caught totally by surprise.I paid the ambulance company.And was told it would take up to 30 days.My score went from XXXX to a XXXX .My credit score is my life and their has to be some rules to keep this from making sure these companys dont just make up there own..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This is respected to bill send by XXXX when i switch the carrier. Back in XXXX XXXX had sent me network enhance device by one-time charge of XXXX $ and said I never have to refund the device and pay anything. Now in XXXX when I switched from XXXX they had put the charges of XXXX $ of that device for not returning. XXXX just trying to punish me moving from their service. 
I had asked XXXX to send me a proof of agreement I signed for returning the device then I will be ready to pay the amount, but they dont even send me the agreement of XXXX. 
I had called XXXX department 3 time and everytime they said they will investigate and come back to me but they never do. 
Now the XXXX is sending the charges to collection agency which is not fair.

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 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
HI DIVERSIFIED ADJUSTMENT SERVICE ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing this complaint to the CFPB because I have had a lot of issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
Sunrise Credit Services contacted me about XXXX XXXX XXXX account XXXX on XX/XX/2021. 
I sent a letter starting " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you '' and requested : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I never received documents from Sunrise Credit Services, but I received a letter starting that " Sunrise had already ceased collection efforts. " " Sunrise received the XXXX  complaints the next day, which was promptly forwarded to the creditor. We are pleased to report that in response, the creditor issued a credit adjustments to XXXX  the balance on XX/XX/2021 '' informed Sunrise Credit Services " collection agency '' that was representing XXXX XXXX XXXX to XXXX XXXX XXXX. 
On XX/XX/2021 I received another letter from Sunrise Credit Services in regards of the same unverified account and account that they sent the untruth statement and letter to the XXXX XXXX XXXX. 
Please see all the documents attached to this complaint as references.

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 2021-07-26 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: NJ

Complaint narrative:
Im hoping someone can help me with complaint because I have had several issues with the XXXX, Transunion, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be 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 explanation
Consumer complaint received 2021-07-26 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:
This is becoming a serious issue. Your company has still not followed the instructions that were clearly stated in my letters that were sent on XX/XX/2021. I demanded that you produce for me the original consumer contracts bearing my signature for that accounts that were listed in my letters through physical verification which you were required to do by federal law per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Till this day I have received NO original consumer contracts bearing my signature on it at all showing that those accounts are indeed verified and accurate. All you did was complete the disputes and said that the accounts were verified without providing the information that I demanded. As a consumer, I am completely disgusted at the fact that you have openly committed federal violations as if I don't know my rights as a consumer. This violation is grounds for immediate deletion of all accounts that were listed in my disputes. since you want to XXXX XXXX and stall with my disputes and pretend as if you clearly cant read, I'm evoking my rights as a consumer Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) ( 2 ) I demand that you remove all accounts listed in my letter because i have not given you any permission to report any accounts onto my consumer report in the first place. i have attached the first dispute dated XX/XX/2021 as evidence and my new letter dated XX/XX/2021 containing the 3 accounts that I'm demanding be removed. if you decide you want to ignore or stall with my request I will file a law suit requesting monetary relief for the damages of your inaccurate reporting as well as the clear violations you have decided to commit.

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 2021-07-26 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I first began disputing the item in XX/XX/2021, nothing was done. 

On XX/XX/XXXX I submitted a dispute to XXXX  to have the account updated or negative status removed off my credit report. 

I also submitted a dispute in writing to the creditor and called them but both have refused to update the account. It is the same for al three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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:
I have item on my credit report that I would like be verified, XXXX XXXX XXXX  Opened on XX/XX/XXXX {$790.00}, XXXX XXXX Opened on XX/XX/XXXX {$740.00}, XXXX XXXX Opened XX/XX/XXXX {$17000.00}, XXXX Opened XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX  XX/XX/XXXX {$230.00}, XXXX XXXX Dealer XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im hoping someone can help me with complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NJ

Complaint narrative:
On XXXX XXXX, I mailed you a letter disputing inaccurate and past the stature of limitation information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXXXXXX account # XXXX and XXXX XXXX Bank Account # XXXX. As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/2021. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/2021 ; therefore, your response was due on or by XX/XX/2021 I have allowed for 35 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto and send me the check to my mailing address listed above in no later than fourteen ( 14 ) days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court.

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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
I have tried to reach out to each credit reporting agency and they have been closing my complaints every time. I am giving authorization to to pursue this complaint. I have attached my credit report for this account and there are multiple discrepancies on all three credit reporting agencies. The open dates, high credit amount, the inaccurate late payments dates are also inconsistent. Also there are missing report dates as well. These numbers and dates are supposed to be the same. If all three credit reporting agencies receive the same information from the same creditor, why are these numbers so vastly different?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have had a credit card with XXXX XXXX since XX/XX/XXXX, I have never had a late payment with the company. The credit card account issuer is Elan Financial Services ( US Bank ) but under the brand XXXX XXXX. On XX/XX/XXXX I received correspondence stating my account had been shut down with their reasoning that I " had fallen victim to a credit card scam. '' The correspondence went on to say '' we have made several attempts to contact you by phone, but have been unsuccessful. '' Neither of these statements were correct, as numerous times I've had to contacted XXXX to assure them the charges in question were legitimate. Due to the numerous holds that were occurring on my account XXXX XXXXXXXX customer service representative provided me with the direct telephone number to the fraud prevention department. During the month of XXXX I had made several calls to the fraud prevention department assuring them that indeed the credit card charges were legitimate. Towards the end XXXX I contacted the fraud department to unlock my card once again and was informed the account had been shut down due to suspicious charges. Since that point I have been unable to rectify the account closure with XXXX. As a result of the account closure I also had XXXX ( {$510.00} ) in XXXX XXXX XXXX forfeited which I am unable to receive. As of XX/XX/XXXX I had paid off the amount due ( {$20000.00} ). I have perfect credit and have had every account in my 16 year credit history paid in full and on time. In addition to the {$510.00} in rewards that have owed to me, my concern is account closure will look poorly on my future credit history. 

Summary : -XXXX  thought I fell victim to credit card scam, which I did not. 
-Unable to dispute this accusation directly with anyone at XXXX XXXX 
-I am not able to receive {$510.00} in credit card reward points from the account owed to me from the charges I had made.

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