vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-02 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-02 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: GA

Complaint narrative:
XXXX placed an account in collections and used multiple Collection agencies in the attempt to collect via email/mail/phone/ credit file reporting all through XXXX, all without verifying the debt, I have disputed it multiple time always asking for the Original signed document as is my right, they were never produced nor was i asked to view them,, XX/XX/XXXX the still did not comply with originals instead sent copies with copy/pasted signature/altered documents and uttered a complete forgery all in order to validate a non existent obligation and extort monies not owed and the CRA 's are guilty of no adhering to FCRA by verifying the debt and only reporting 100 % accurate 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 2022-02-02 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: MI

Complaint narrative:
I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing have been heard 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 {$530.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: AZ

Complaint narrative:
I have several accounts that I want validated I believe I have this right to validate the debts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
I attempted to contact the original debt entity during the beginning of the pandemic for payment plan assistance, and they flat out said nothing was available. Their website clearly says that during the pandemic we are here to assist 24/7 a complete lie When I attempted to contact them today, I was transferred to a law firm who now represents this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX of 2021, I accepted an offer from Citibank to open a XXXX savings account and XXXX  checking account. The offer stated that if I maintained a minimum balance of {$300000.00} in the savings account and a minimum balance of {$200000.00} in the checking account ( for a period of 90 days ) then I would receive a {$1500.00} bonus. I never received a bonus, though twice representatives of Citibank confirmed that the above conditions were met and that I qualified for the bonus. During my second complaint to them, they said they would " escalate '' the issue with the " Promotions '' department but that I would have to wait a few business days for that process to take place. The representative said that I was not the only person that had such a complaint. Obviously, I would like Citibank to be held accountable for false advertising.

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 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Upon requesting why there was a debt owed and asked for an itemized list I was told to call an insurance company to get the information needed. I never signed a HIPPA release form with any debt collection agency. I was told they will not send me a letter and that they already sent a letter regarding the debt. Even after respectfully asking if they can mail another letter they became argumentative and disconnected the line. On multiple occasions they refuse to provide detailed information regarding the debt. The letter was not sent via certified therefore reception on the letter can't be validated on their end.

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 2022-02-02 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have submitted two complaints with the CPFB asking Chex Systems ( a credit reporting company ) to tell me the reason XXXX XXXX XXXX gave in requesting my credit report on XX/XX/2021 because I believe that XXXX did NOT have a valid reason for the request. Chex Systems has twice refused to answer that question and instead replied that it removed all evidence of XXXX 's request thereby covering up what I believe to be a violation of the FCRA.

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 2022-02-02 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: AZ

Complaint narrative:
I have several accounts that I want to validate the debts on according to my rights

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently was informed that my employer provides payroll data to Equifax ( XXXX. The Work Number ) for the purpose of employment verification. I checked the most recent credit report I have from Equifax and did not see any such data in the report. I called Equifax and spoke to a supervisor in their dispute department who stated that the only information they have about me is what is in my credit report, and therefore the credit report comprised the entirety of the information in my file. I believe that they do have employment data about me, that said information is included in the definition of " file '' under the XXXX and that the credit report request process is their only public mechanism for requesting a copy of my " file '' under the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Discover Card Corporate Office Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Discover On XXXX applied for The Discover Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  / XXXX / {$25000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX / {$25000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I have had a lot of problems with Fedloan and the PSLF temporary waiver process. They gave me conflicting information over what I should consolidate. I called twice and it took over two hours to reach someone. I consolidated only my FFELP loan in to a direct loan but now they wont answer my emails. I keep sending them the letter where they approved my employment under the PSLF waiver but they keep saying I need it. They have not updated any payments toward my loan and they have not transferred over my large Direct Loan from XXXX XXXX. XXXX XXXX got my loan from XXXX without my consent. They also sent me a letter indicating that I should perhaps consolidate the FFELP with the prior direct loan but I did not do that because their person on the phone said not too. This waiver program is a mess. They processed my application in XXXX and they approved my employment. Now they say they just got my application and have not confirmed my employment. I sent them copies of their own letters and they refuse to answer my emails? I should have at least one loan that should be forgiven as I have worked for a state university since 2007. They are giving bad advice, dont understand the waiver, not answering emails, and not updating anything. Please help as this program is a mess. Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: MI

Complaint narrative:
I have been sending written letters to Equifax about the errors that I am seeing on my Credit report. However, I am not seeing any changes, improvements, or corrections on my reports. They kept reporting a lot of inaccurate information in my credit report which is no longer acceptable. Aside from that, Equifax and the furnishers have failed to notify me about the issues. Thus, they were not able to meet the requirement of the XXXX which demands them to provide a XXXX percent accuracy on the report and should they provide significant and legal documents to affirm their remarks. Below is the list of the items I have been concerned on : XXXX. XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX. XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased the {$500.00} vanilla Visa gift card.The card was stolen in XX/XX/2021 and never used before it was stolen. XX/XX/2021 I try to use this card and find out card balances was stolen. Contact Vanilla for dispute and they told me wait 90days.today they told me : Please see attached. Unfortunately we do not have recovery rights through visa. Per cardholder agreement we can only fund what we can recover. And we were unable to recover any funds through visa. 

Thats unacceptable. Hope you guys can help me. 
Thank you XX/XX/2021 XXXX XXXX XXXX transactions total each amount {$4.00} XX/XX/2021 XXXX XXXX 3 transactions total each amount {$4.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent multiple letter to the three bureaus, they have not responded in a timely manner required by the fair 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 explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX / XXXX / {$5200.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$390.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-02 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: FL

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-02 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: NC

Complaint narrative:
The problem I am having is that I contacted XXXX and I spoke to XXXX from this company and I had informed him that the only address that should be showing on my credit report I also disputed a lot of information that wasnt correct on my report I said to XXXX do you guys keep mistakes on people credit report because you guys get paid this way and he said I am correct this is not fair to me and there are violating.

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