vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX CARD 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 2021-12-14 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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's 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 willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX  XXXX Bankruptcy # XXXX XX/XX/2019-Discharge )

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 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
XX/XX/2021, I signed up for XXXX XXXX, but learned the service would not work in my area. I immediately cancelled. The phones came and I returned them unopened. They didn't reimburse me the {$98.00} for XXXX that was promised. I received a bill from them dated XX/XX/2021 for {$220.00}, but when I tried to call the # XXXX, they couldn't talk to me because I didn't know a phone # and pin #. I received a phone call from Convergent Outsourcing XXXX stating the mini-Miranda and asking me to pay {$220.00} for XXXX. I told XXXX XXXX the story and she transferred me to XXXX where again I could not talk to anyone. I called Convergent XXXX and asked for a supervisor, who ( XXXX XXXX ) again quoted the XXXX. I told her my story. She said she will have XXXX call me, and also said they had auto drafted {$98.00} om XXXX and XXXX, meaning they now owe me about {$300.00}. They called, and said they needed to transfer me, but nobody answered the phone. I called Convergent and asked for the manager, and got XXXX XXXX again, who quoted the XXXX XXXX. She stated they are just pre-collecting and I have to straighten it out with XXXX. If it is pre-collections why are they calling in attempt to collect a debt. Why is the same person posing as supervisor and manager. Why won't they resolve a dispute.

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 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Hey, my name is XXXX XXXX, and I'm submitting this complaint in response to AmSher Compassionate Collections furnishing fraudulent/ unauthorized information to my consumer report, which is a direct violation of 15 USC 1681b ( a ) ( 2 ) which 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 never gave this company permission to furnish anything on my behalf. this company is also in violation of FCRA pursuant to 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. Not only is they in violation but they also have infringed on my right to privacy. pursuant 12 cfr 1016.4 ( a ) ( 2 ) this company failed to provide me my initial privacy notice, which now makes them in violation of 15 USC 6801 ( a ) which states ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. pursuant to 15 USC 1692g I am disputing this debt and requesting Validation See attachment for all requested documents. if this company fails to provide ALL information requested I will not hesitate to bring legal action for Extortion, Trespass, identity fraud, defamation of character, embezzlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I never consented to authorize nor benefited from all Inquires, Block and delete them. If I have received goods and services from the furnished Inquires, Let Experian have XXXX of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/2021 To Whom It May Concern : I submitted a claim against a company that XXXX  me XXXX and XXXX my XXXX and the images sent were horrific. I expected my card company to stand by me and not allow fraudulent companies to profit and most certainly not profit during a pandemic while acting in bad service. 

I filed a dispute against XXXX for XXXX and XXXX my XXXX horrifically and not doing the procedure accurately for XXXX XXXX. I was not contacted for a follow-up or picture request. I've had to spend {$2000.00} fixing my XXXX  using my Barclaycard and XXXX XXXX. with XXXX XXXX. Is Barclay here to support the cardholder or bad companies who break customer choice and did not do a professional job and did not take any steps to rectify their mistake on my XXXX. I have called Barclay and sent a letter to disputes. The letter I received in the mail stated the cancellation agreement was broken and that was a LIE. I am disappointed and disgusted by Barclay 's handling of this. I have during the pandemic worked my XXXX off cleaning houses and making sure I keep my payments up to date and on time in large payments. I request via mail as well as the online message that this case be re-opened and re-addressed. The fee of {$240.00} be removed by my card company WILL NOT pay that company a dime. I went in person with a XXXX  and XXXX XXXX from their chemical mixture and the trauma I experienced is horrific and as bad as slavery if I am forced to pay this. I WILL NOT PAY THAT {$240.00} amount against that company and Barclay should be fighting for me. There was no missed appointment and they lied! I had hoped and still do that you will support me and uplift me as XXXX women all too often do not receive support nor do companies who purposefully abuse any customer get away with it. Please do not allow me to foot the bill for someone who did not safely administer nor did they when I came back in person give any options to remedy their bad actions. I had to go to another doctor with whom I have XXXX more appointments and have him repair my XXXX. Please stand by me. 

Thank you, XXXX XXXX Card ending 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 2021-12-14 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: NJ

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( 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 explanation
Consumer complaint received 2021-12-14 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: NJ

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXXXXXX XXXX XXXX XXXXXXXX, 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 2021-12-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021, and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX XXXX are reporting inaccurate information on WELLS FARGO CARD SER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

WELLS FARGO CARD SER Acct # XXX Date Opened XXXX XXXXXXXX XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2021-12-14 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: Westlake Services, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX XXXX XXXX is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX Acct # XXX Date Opened XXXX. XXXX, XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: PA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Today I received a notification on my credit report from this company for an alleged debt. I haven't done any transactions or communications with this company nor have I shared any of my personal private information with this company. They are violating my rights under FCRA and FDCPA invading my right to privacy and furnishing accounts without my consent or authorization. I would like for this account to be deleted removed and blocked asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Vander Financial, LLC
State: CA

Complaint narrative:
There is inaccurate information reporting on my credit report. Therefore I requested a Investigation into this matter from XXXX, XXXX, & XXXX on XX/XX/XXXX. XXXX XXXX XXXX " XX/XX/XXXX '' & XXXX XXXX XXXX " XX/XX/XXXX '' are not my accounts. It has been well over 30 days & I have not received a reply from any of the credit bureaus. Under the fcra these unverifiable accounts please remove from my credit report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021, and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I moved out of XXXXXXXX XXXX XX/XX/XXXX my lease was broken early. I was contacted by XXXX XXXX in XX/XX/XXXX to advise an amount via email. I personally went to the office and met with XXXX the manager who acknowledged the termination fees were charged twice in the amount of {$3900.00} The fee in the lease shows two months rent. My rent was {$980.00} the fee was {$1900.00}. We agreed to settle for {$1500.00} for the mix up. They didnt give me enough time to pay the debt. I noticed it was sent to collections for {$5300.00}. I was contacted by XXXX XXXX XXXX in XX/XX/XXXX attempting to collect a debt. I was contacted again by XXXX XXXX representatives in XXXX, XXXX, XXXX of XXXX attempting to collect a debt. I filed a dispute with the credit bureaus as well as the debtor that the balance {$5300.00} was incorrect. I provided emails between XXXX and myself with the amount of {$3400.00}. I tried to settle the debt but at the correct amount of {$3400.00} not {$5300.00}. My credit report was updated XX/XX/XXXX. This has caused XXXX XXXX and XXXX as Im unable to refinance my home and my autoloan was given at a higher interest rate due to this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: PA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Paypal Credit XXXX XXXX In XX/XX/2021, I called Paypal Credit to request a change in my payment due date from the XXXX of the month to a date after the XXXX of the month. I changed from direct payment to a third party pooled trust company that wrote checks instead of paying by electronic methods. Mailing a check required too many steps and I would never be able to pay my bill by the XXXX of each month. For example : the XXXX XXXX XXXX withdrew funds from my bank on the XXXX to the XXXX of each month ; the account rep has to review the bill and then send it to another department for a check to be disbursed. The check is mailed by USPS. USPS has guaranteed by notice that mail delivery would be delayed. The end result is that payment may not arrive by the XXXX of the month or the XXXX or XXXX of the month. Paypal has refused to honor the promises of a due date change. I was promised the XXXX of the month. Id call back the next month because my request was not honored and a rep would request another due date offered to me. The bottom line is that payment due dates have ranged from XX/XX/2021 to the XXXX of each month beginning XXXX to XXXX. When I called to complain in XXXX that my request was not honored, I get a XXXX statement indicating XXXX XXXX as the due date. I was told my request of a date change could only be honored once a year. However, the problem is Paypal has never honored my request for any date after the XXXX of the month. Why would I want a XXXX of the month or XXXX of the month if the original due date prior to XXXX was the XXXX of the month due date? 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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021, and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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