vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I checked my credit last week because I was preparing to buy a house and I noticed someone has been using my credit to obtain accounts I do not know how they obtained my information. This activity began in XX/XX/XXXX and continued until XXXX of this year. I will be placing fraud and security alerts on all my credit bureaus. 

Accounts Exeter Finance LLC Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX   XXXX Acct number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX  XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Acct Number : XXXX Date opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX acct number : XXXX Date opened : XX/XX/XXXX Balance : {$.00} XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Inquiries XXXX   XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX  XXXX XX/XX/XXXX XXXX of XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: HW Holding, Inc
State: KS

Complaint narrative:
The initial date reported is inaccurate and the original amount owed is inaccurate. The original amount given to the collection company was over {$4000.00}. I informed them the amount was incorrect. They adjusted the amount owed but left the amount of over {$4000.00} as the original amount owed. I filed a dispute on that and the incorrect date. They changed nothing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$970.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX/XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$970.00} -This is not my account.

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 2019-12-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$970.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX/XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$970.00} -This is not my account.

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 2019-12-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$970.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX/XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$970.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My account was in forbearance due to unemployment around the middle of 2019. Around XX/XX/2019 I get a notification that my credit score dropped over 120 points. Upon looking into this I discovered that Nelnet reported it being over 90 days past due when it was not, the account was in financial hardship forbearance. When I called them to clarify this they stated that my account was 90 days due & that they never received any paperwork for the forbearance which I had mailed out to them earlier in the year. They are refusing to correct the 90 days past due on my credit reports & that they contacted me but I was not contacted at all, I reached out to them once I discovered the inaccurate reporting. If they were sending mail it was to an old previous address which I no longer live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I been a Synchrony bank credit card customer since 2013, when I first obtained a Walmart credit card. From that date forward, I have acquired several other credit cards which I have maintain in good standing and made every single payments on the timely bases. The issue at hand is the fact that several of those credit which are financed by synchrony bank are being locked and in turn I am prompt with messages to contact customer service which I have in order to gain access .Which is a problem since verification and security checks are always done with the phone numbers that are saved on the profile. Furthermore, there is never a need to contact personnel directly nor there is a need to provide their personnel with sensitive information. However, I have experienced such questionable practice with Synchrony bank at least three times on at least two retail credit card account. Now, while the JC penney credit card account was prompt with a number to contact customer service. On the XXXX XXXX  account I was completely block from gaining access at all.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account was in forbearance due to unemployment around the middle of 2019. Around XX/XX/2019 I get a notification that my credit score dropped over 120 points. Upon looking into this I discovered that XXXX reported it being over 90 days past due when it was not, the account was in financial hardship forbearance. When I called them to clarify this they stated that my account was 90 days due & that they never received any paperwork for the forbearance which I had mailed out to them earlier in the year. They are refusing to correct the 90 days past due on my credit reports & that they contacted me but I was not contacted at all, I reached out to them once I discovered the inaccurate reporting. If they were sending mail it was to an old previous address which I no longer live at.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account was in forbearance due to unemployment around the middle of 2019. Around XX/XX/2019 I get a notification that my credit score dropped over 120 points. Upon looking into this I discovered that XXXX reported it being over 90 days past due when it was not, the account was in financial hardship forbearance. When I called them to clarify this they stated that my account was 90 days due & that they never received any paperwork for the forbearance which I had mailed out to them earlier in the year. They are refusing to correct the 90 days past due on my credit reports & that they contacted me but I was not contacted at all, I reached out to them once I discovered the inaccurate reporting. If they were sending mail it was to an old previous address which I no longer live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account was in forbearance due to unemployment around the middle of 2019. Around XX/XX/2019 I get a notification that my credit score dropped over 120 points. Upon looking into this I discovered that XXXX reported it being over 90 days past due when it was not, the account was in financial hardship forbearance. When I called them to clarify this they stated that my account was 90 days due & that they never received any paperwork for the forbearance which I had mailed out to them earlier in the year. They are refusing to correct the 90 days past due on my credit reports & that they contacted me but I was not contacted at all, I reached out to them once I discovered the inaccurate reporting. If they were sending mail it was to an old previous address which I no longer live at.

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 2019-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I mailed a letter to RS Clark & Associates requesting that they validate an alleged debt that they were reporting to a credit bureau in the amount of {$200.00}. 

They replied on XX/XX/2019 with what they called " the information validating the debt as required by law '' which had my first/last name ( which also happens to be my ex sister in-law 's name ), account number, and amount of {$200.00}. They also included a page which was titled " collections write-off utility detail report '' with the amount of {$200.00}, it appears to be from the original company of the alleged debt, it says page 12, but this is the only page they sent me from the original company. They also sent an informational 2 page brochure/print out about privacy and health information. The information they sent me on XXXX XXXX was not sufficient information to validate this account. 

I sent a reply letter on XX/XX/2019 stating that they did not provide me adequate information needed to validate the alleged debt and that I would file a complaint if they continue to ignore my request.

RS Clark & Associates replied on XXXX XXXX stating that they are considering my request to be frivolous per the FCRA definition. They stated that they previously responded and fulfilled their duty and verified the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Please help stop this women from stealing. My father is currently sick and he can not correct things at the bank. At least {>= $1,000,000} is mine in his account. He has money at the XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have signed documentation, but, I have no idea where the money is and the account numbers of my father. Could somene please help me with these phone thieves? I signed papers, with my father, XXXX XXXX, at the credit union in XXXX, NJ and at XXXX XXXX and XXXX XXXX. 
What is there? 


XXXX XXXX An overweight, uneducated, nail shop technician has stolen money from my beneficiary account at XXXX XXXX, XXXX XXXX   thorugh Western Union. XXXX XXXX  mentioned her name as the theft. She is continuously going into my fathers account and he is very sick. I live with my father for for 37 years, have won settlements and she is stealing too much out of the account. I should have a trust fund of abut {$5.00}, XXXX now. I am also claimed on taxes. My father does not really help me like he should since I am the reason that he has accumulated most of his money. What is the proper manner to deal with this? My phone keeps getting overheated when this woman and her friends play with it and she is causing my XXXX XXXX XXXX XXXX. At this time, she does not deserve any money and she is attemtping to kill me through XXXX  me while hacking my phone. My father nor I do not know her. It is very conplicated. I am scared I will not have any money left to use when my father passes. I might have to go to estate court or probate court and there is nothing left. Western Union even sent me a threatening message, yesterday, implying that the ceo allowed this woman to steal from my fathers account. He ( XXXX XXXX ) has about {>= $1,000,000} that I helped him make since I was injured in two accidents as a little girl. I was supposed to receive a trust as a toddler and a litte girl in XXXX - XXXX. 
I woud like to seek a bit of legal action. 

Thief ' s Address : XXXX XXXX XXXX  Her nail shop address XXXX XXXX XXXX XXXX XXXX XXXX, Georgia Where did she get all of these material possessions from? She is steaing my settlement money from Superior " Court and XXXX XXXX XXXX. These court actions happened from XXXX XXXX. I am appalled that they allowed her to steal from XXXX XXXX through Western Union. 
These men need to be fired. It is a conspiracy. I went to court and won this money with my father, XXXX XXXX. 

XXXX XXXX Sent from XXXX Mail on Android XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX began reporting a fraudulent address to the credit bureaus some time ago. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX. This is the address of a fraudster who redirected and changed all of my personal information thereby having all my mail go there. I informed both XXXX XXXX and Experian of this- several times in fact. Despite providing FTC Identity Theft Affividavits in addition to police reports ( yes, plural ), XXXX XXXX has not stopped reporting the address to Experian. Experian, despite assuring me that the address has been blocked, continues as of this moment to report the address. This is a gross violation of law as they both continue to knowingly and willingly, with obvious malice, to report fraudulent information on my credit file. As a result, this address is now part of my public record file. I have been attempting to resolve this since XX/XX/2019. I have given both companies ample time to correct this. As a matter of fact, I feel I have been extremely generous in the time I have alotted for them to simply stop reporting this fraudulent information. They have both been given several copies of both the FTC and XXXX PD reports. As of XXXX XXXX, XX/XX/2019, the fraudster 's address is still being reported to Experian by XXXX XXXX XXXX XXXX and Experian continues to list the address on my credit file.

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 2019-12-02 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-12-02 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: FL

Complaint narrative:
I have submitted 8 times to Equifax requesting Equifax investigate unauthorized inquiries over the past two to three months. Equifax is intentionally failing to submit a CDV..dispute. Equifax simply continues to send me results of the investigation request stating w Equifax have receive your request and have viewed it, however are not disputing the inquiries. Failure to investigate any item on my credit report is in violation of the Fair Credit Reporting Act. Equifax is in violation for failure to send me copies of signed application XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation