vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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:
I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$49000.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been an excellent customer who has always paid my bills on time. Naturally, I was completely shocked when I noticed my account was reported late to the credit bureaus in XXXX and XXXX of XXXX I do not think I was late during this time, but if I was, it was either because I did not receive my bill or the online payment system was down. I have had problems receiving mail at my address and I have had numerous problems making online payments on my account. On a related note, the payment history being reported by the credit bureaus is wrong, because XXXX and XXXX reports that I was 30-days in XX/XX/2018, and XXXX reports I was 30XXXXdays late in XXXX. This is impossible because if I was late, it would be either XXXX or XXXX, not both. Please see the attached copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXXXXXX Balance : {$260.00}.

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 2022-10-13 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:
I recently disputed this account with Experian and was provided with a letter with a quick turn around that this account was in fact accurate. I was not provided with whom they spoke to verify this account or anything. XXXX XXXXXXXX XXXX XXXX, Account Number XXXX has disputed previously years ago. It was proven to not be my account. This account is reporting negative information about me monthly through Experian. Which is inaccurate, unverifiable, invalid. It was last reported on XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. This violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. The other credit bureaus have no record of this account. The credit reports that I have provided prove that this information is inaccurate and incomplete. I would like Experian to remove this account from my report. Thanks for your help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX my phone number XXXX I have a fraudulent application put in my name without my permission and today when I contact the fraud department back they told me my fraud claim was rejected saying my fraud report was not fraud but it is fraud I want the account balance to be cleared to {$0.00} and I want the account to be disputed off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Penfed Credit Union has been furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, and my ability to obtain credit for personal and house purposes. Penfed Credit Union has damaged my livelihood tremendously. 
Ive sent in my first letter to Penfed Credit Union, which was received on XX/XX/2022. I send over a rescission letter with a affidavit of truth with a cease and desist form. All documents were notarized and sent certified mail .And by doing that makes Penfed in contract with me with the paperwork that they received .But alarmingly I was responded with a promissory note that only had one signature, by law this cant be binding since its not a wet ink signature nor did both parties sign it. Penfed Credit Union feels that the law doesnt apply to them which is very concerning to me. I responded with sending in another affidavit along with a letter stating that I AGREE TO PAY ANY FINANCIAL OBLIGATION, WHICH I MIGHT LAWFULLY OWE ON THE CONDITIONS THAT PENFED SHOULD PROVIDE THE FOLLOWING XXXX ) Validation of the debt, that is the actual accounting 2 ) Verification of the claim made against me ( thats a signed invoice ) 3 ) a copy of the contract binding both parties 4 ) Full Disclosure 5 ) The Wet ink signature binding both parties 6 ) prof of claim that you know what a person actually is in legal terms I gave Penfed Fourteen days to produce this and they never did. They also committed Trust Fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accurate information from transunion XXXX and XXXX credit reporting agencies, NY credit reporting act states the legal time frame to have these closed items post has passed and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
It appears that on XX/XX/22 a checking account was opened with Bank of America in my name using my SSN. I called the fraud department of BoA on XX/XX/22 and the confirmed that someone opened an account with my SSN. ( How they can even be allowed to let people make accounts online with just a SSN is beyond me and should not be allowed. ) They would not give me any info about the fraud and simply said the account was now frozen and will be closed pending them receiving a filled out form they are mailing to me. I do not feel this is enough and need to file a complaint about the fraud made in my name. I will be following up with a police report. Please look into this and please help me. 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 non-monetary relief
Consumer complaint received 2022-10-13 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:
I HAVE ACCOUNTS THAT I HAVE REPORTED AS FRAUD TO BE REMOVED FROM MY CREDIT REPORTS I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is reporting in accurate ( old ) information passed the allowed time frame based on 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 non-monetary relief
Consumer complaint received 2022-10-13 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: CBC Companies, Inc.
State: NC

Complaint narrative:
To Whom It May Concern : Case # XXXX It has come to my attention, that Innovis has added a social security number to my consumer profile : XXXX, as mentioned by the attached letter. 

This is not my social security number and must be removed from my Innovis consumer report immediately! 

Innovis has never been authorized to add information to a consumer report in my name, without proper verification that it belongs to said consumer. 

Innovis, as a business is practicing fraudulent operations, by adding an unknown social security number to my consumer report. REMOVE IT AT ONCE! 

I have not placed requests for credit with any organizations under a SSN ending in XXXX and have no active trade lines with a SSN ending in XXXX. 

There is no factual record that indicates that I have requested applications for credit from creditors who are not employers, to be on my file or gain brute-force access to the CRA systems to place their name tag, with an inaccurate social security number on my file. That is considered theft of identity! There are group actions to be considered if this information is not removed immediately, without prejudice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: NC

Complaint narrative:
This is my ANOTHER endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: AZ

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX Balance {$730.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/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 2022-10-13 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these inaccurate items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these inaccurate items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: LA

Complaint narrative:
I disputed inaccurate information that's on my credit report my XXXX XXXX XXXX opening date says XX/XX/XXXX on my TransUnion and XX/XX/XXXX how can my information be verified and it's reporting two different information my payment history on TransUnion and XXXX is not accurate with each other and it's not all listed date last active on TransUnion is XX/XX/XXXX and XXXX it's XX/XX/XXXX violation of the fcra needs to be removed immediately My XXXX XXXX XXXX has inaccurate information date open for TransUnion is XX/XX/XXXX date for XXXX is XX/XX/XXXX Last active for TransUnion is XX/XX/XXXX XXXX is XX/XX/XXXX there's no payment history in TransUnion how can it be verifed from XXXX  XXXX showing different information needs to be deleted immediately violation of the fcra Both TransUnion and XXXX stated that everything was accurate and verified how can I be accurate and verified when they are reporting two different things

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