vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 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 am a victim of identity theft and I did not benefits from any goods or services of this fraudulent account opened in my name without my permission. I am requesting for XXXX XXXX XXXX to remove and delete this fraudulent account from my Experian Credit report. 

I have never had any affiliations or accounts with XXXX XXXX XXXX. I have included a copy of my police report as well as the letter from XXXX XXXX XXXX for this fraudulent account to be removed and deleted from my Credit file. Why Does Experian still have this fraudulent account on my Credit report when XXXX XXXX XXXX instructed them to remove it? I am requesting for XXXX XXXX XXXX to send another request to Experian for this fraudulent account to be removed and deleted immediately. 

I talked to a Fraud Specialist at Experian who advise me to send a letter to XXXX to remove and delete this account. 

Please remove and delete this fraudulent account immediately from my Experian credit report : 1. Account name XXXX XXXX XXXX Account number : # XXXX Date opened : XX/XX/2019 Balance : {$8600.00}

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 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a victim of identity theft and I am requesting for Navy Federal Credit Union to remove and delete these fraudulent accounts from my XXXX and XXXX Credit files immediately I did not benefits from any goods or services of these fraudulent accounts. Someone opened up these fraudulent accounts in my name without my consent. 

Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I have attached a copy of my police report to this correspondence. 

Please delete and remove these fraudulent accounts from my XXXX and XXXX credit files immediately or legal actions will be taken against Navy Federal Credit Union : 1. NAVY FEDERAL CR UNION Account number : # XXXX Balance : {$1100.00} Date opened : XX/XX/2016 2. NAVY FEDERAL CR UNION Account number # : XXXX Date opened : XX/XX/2016 Balance : {$5200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS IN MY NAME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My XXXX Credit Card Accounts issued by Comenity Bank was closed without any notice or explanation. I did not request this closure, my account was in perfect standing with a credit limit of 1900 no history of missed payments. My account was current, and I never missed a payment. I opened this account in XXXX of XXXX and the account was closed by Comenity without explanation on XX/XX/XXXX. This has negatively impacted my credit history greatly as this is one of the longest and best standing credit accounts I had on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS IN MY NAME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

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 2022-02-07 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 AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS IN MY NAME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Ars account resolution s .... 
People keep adding accounts to my credit as fast as I dispute them for different dates and amounts everytime I get one removed another one pops up I contacted the company by phone to get them to send me anything by mail, they agree but never do. I'm at a loss because even when it gets removed it still hurt my numbers. I've gotten so many deleted from the same company that I can't do any more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The American Express Platinum card purports to offer a {$100.00} statement credit once every 4 years against any charges for the XXXX XXXX application fee. Terms available here : https : //www.americanexpress.com/en-us/benefits/travel/expedite-your-travel/ However, in its terms, Amex states that customers must allow up to 8 weeks for the credit to post and that o be eligible for this benefit, the card account ( s ) must be active through the time of statement credit fulfillment. 

This means Amex can force a customer into another payment of membership fees for charges made while a card was open and good standing as happened with me. If the statement credit has not posted by the time the next membership fee comes due, the customer must either pay for another year to keep the card open, or give up the credit charged at a time when the card was open and in good standing. Does not seem customer friendly to me- in fact seems directly intended to deny customers benefits earned in the past unless another annual fee is paid. 

On XX/XX/2022, I paid the fee for my XXXX XXXX using my Amex Platinum card. The charge posted and was not pending on XX/XX/2022. On XX/XX/2022, I decided to cancel my Amex Platinum card because Amex has increased the fee to {$690.00} - more than I am willing to pay. I have, however, paid historically paid the fee for the card for at least two or three years. Nonetheless, Amex intends to deny me a statement credit because my card will not be open at the time they post the statement credit - which they can delay for as long as they want. This is unacceptable. They would have no problem posting pending charges to my account after it is closed, It seems to me, I should also be entitled to statement credits for for benefits that were available to me while the card was open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07 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:
There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX Mortgage Loan Originator XXXX # XXXX XXXX XXXX XXXX XXXX ' XXXX My spouse called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my husband with what he thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted me directly to consent to this inquiry. My spouse was NOT aware this was for a mortgage application or loan as she never identified herself as such. I called her directly later in the afternoon after receiving an email that my credit had been pulled. She answered the phone with " Hello '' to which I asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once I realized she pulled our credit, I queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

I called again later in the afternoon after checking my credit report via XXXX. I explicitly advised my credit was pulled with my date of birth and social security without consent. Same for my spouse. There was no formal application with signature on either of our ends. I had never even spoken to her. I asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing. 

PLEASE ADVISE. I attempted contact with credit union ( s ) directly but was advised I needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Information attached is only after I reviewed my credit report and realized she is with a mortgage lender and not to screen for VETERAN eligibility related to the house/listing. 

Thank 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 explanation
Consumer complaint received 2022-02-07 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: FL

Complaint narrative:
There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( https : XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

https : XXXX Mortgage Loan Originator NMLS # XXXX XXXX XXXX XXXX Mortgage ' XXXX My spouse called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my husband with what he thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted me directly to consent to this inquiry. My spouse was NOT aware this was for a mortgage application or loan as she never identified herself as such. I called her directly later in the afternoon after receiving an email that my credit had been pulled. She answered the phone with " XXXX '' to which I asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once I realized she pulled our credit, I queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

I called again later in the afternoon after checking my credit report via creditkarma. I explicitly advised my credit was pulled with my date of birth and social security without consent. Same for my spouse. There was no formal application with signature on either of our ends. I had never even spoken to her. I asked if there was a way for her to report the mistake to the XXXX XXXX ( XXXX ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing. 

PLEASE ADVISE. I attempted contact with XXXX XXXX ( XXXX ) directly but was advised I needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Information attached is only after I reviewed my credit report and realized she is with a mortgage lender and not to screen for VETERAN eligibility related to the house/listing. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX XXXX  XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX Mortgage Loan Originator NMLS # XXXX XXXX XXXX XXXX XXXX  ' XXXX My spouse called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my husband with what he thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted me directly to consent to this inquiry. My spouse was NOT aware this was for a mortgage application or loan as she never identified herself as such. I called her directly later in the afternoon after receiving an email that my credit had been pulled. She answered the phone with " Hello '' to which I asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once I realized she pulled our credit, I queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

I called again later in the afternoon after checking my credit report via creditkarma. I explicitly advised my credit was pulled with my date of birth and social security without consent. Same for my spouse. There was no formal application with signature on either of our ends. I had never even spoken to her. I asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing. 

PLEASE ADVISE. I attempted contact with credit union ( s ) directly but was advised I needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Information attached is only after I reviewed my credit report and realized she is with a mortgage lender and not to screen for VETERAN eligibility related to the house/listing. 

Thank 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 explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: UT

Complaint narrative:
Mid-American Mortgage company required people to send in checks. They were sent in on time, they were not cashed in a timely manner, and when they were cashed, their automated system had already added late fees. XXXX is correctly updated after many hours of phone calls, but XXXX and XXXX was not. 

Here are the checks that I sent in XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} : XXXX XXXX, but have bank statement XXXX : Wire transfer Texas XXXX XXXX  XXXX XXXX Amount : {$1500.00} We closed the house in XX/XX/XXXX, but they charged me for that month as well and will not remove it. 

The issue has been me trying to get into rent or a home and their inability to update reports, make me jump through a long drawn out process ( prove to us you paid us ) and their departments lack of desire because the account is paid off and closed. Is now hurting my ability to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
XXXX XXXX Transunion - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX - Employer : XXXX XXXX XXXXXXXX

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax Information Services - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Equifax Information Services - Employer : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2022 I received a real time alert from the credit bureau that my social security was found on the dark web. On this date I pulled a copy of my credit report from equifax and noticed that there were 4 inquires that I did not request nor did I have any knowledge of. On XX/XX/2022 I sent a Fair Credit Reporting Act, Section 609 letter CERTIFIED MAIL to equifax exercising my right under this act to request information regarding the listed items. On XX/XX/2022 I contacted Equifax to do a follow up and a representative by the name of XXXX stated that inquires were factual information and could not be removed. I stated to her that I had mailed the certified letter and that as per Section 609, I am entitled to see the source of the information which is the original contract that contains my signature. She stated that 609 letters are not acceptable with Equifax. I am requesting that these items be investigated as that I did not request or apply for any new credit or product. I am also requesting that Equifax be investigated as to the way they handle potential identity theft or fraud. Thank you in advance for your time and attention to this matter.

Company response to consumer: Closed with explanation