vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 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: Synovus Bank
State: CA

Complaint narrative:
First Progress has repeatedly reported inaccurate information on my credit report that has caused significant hardship. I have been fighting to get this inaccurate information removed for over 2 years. 

Back in XXXX, I submitted disputes to XXXX for inaccurate charge off dates and the company repeatedly verified this incorrect information. Frustrated with lack of action from First Progress I  resigned myself to wait 2 years until this information would be removed because it is over 7 years old. I again disputed the incorrect information and account that was more than 7 years since the date of first delinquency and the company did not remove the account. Plus they reported the account as being charged off in XX/XX/XXXX and XX/XX/XXXX which dropped my score 40 points. The date of first delinquency was in XX/XX/XXXX therefore the negative information should be removed because it is over 7 years old. 

The company needs to remove this account off my credit reports or I will be seeking damages in court for the last 2 years of incorrect reporting. 

Here is the copy of my orginal complaint back in XX/XX/XXXX " After a dispute, First Progress Bank verified incorrect information on my XXXX Credit Report. In XX/XX/XXXX I first became delinquent on my First Progress Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on XXXX. I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my XXXX showed that my First Progress Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my XXXX report. The company then verified the false information and the dispute was closed. I wrote and called First Progress to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint. '' For documentation I have attached a dispute from XX/XX/XXXX that shows the correct infomation but does not list a date of removal, I've attached XXXX dispute results that show incorrect charge off date and incorrect date of first delinquency, and XXXX dispute results with another incorrect charge off date and incorrect date of first delinquency. Finally, I have attached a letter from First Progress admitting the information is incorrect. It is the companies responsibility to report accurate information. I will be suing if you do not remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: TX

Complaint narrative:
I checked my Credit report and notice some things that don't belong to me. These accounts are stopping me from acquiring Personal Loans. The account listed below is not mine. I sent in multiple letters and haven't received any response. I do not understand why is this happening? Please do something about. Your attention to this matter will very much appreciated. 

XXXX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number :  XXXX XXXX XXXX Account Number : XXXX XXXX   XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Fifth Third Bank states that on XX/XX/2020 my credit score from XXXX XXXX was XXXX. My information shows my credit score from XXXX XXXX was XXXX. I would like a copy of the report Fifth Third Bank received from XXXX XXXX that showed my score being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Identity theft. This loan is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I cancelled my account with Lexington Law in early XXXX because I did not see any change in the work they had done since I began with them in XXXX. At that point in time I was told I would be charge two months of service {$140.00} each month. I told them I did not want service because they had made no changes to my credit, and I began working with another credit repair company. Lexington Law says I will be billed one month of service, {$140.00}. I do not believe I am obligated to pay since I received no services regarding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am a victim of identity theft in my credit report you have stated that i have an open account for 180 days, i am demanding proof of allege debt, I also obtained a police report # XXXX, and I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department to me and is a result of fraud that I did not authorize CREDIT ACCEPTANCE CORPOR Balance {$9900.00} Opened XX/XX/2014. The following items did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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 checked my Credit report and notice some things that don't belong to me. These accounts are stopping me from acquiring Personal Loans. The account listed below is not mine. I sent in multiple letters and haven't received any response. I do not understand why is this happening? Please do something about. Your attention to this matter will very much appreciated. 

XXXX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number :  XXXX XXXX XXXX Account Number : XXXX XXXX   XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: IN

Complaint narrative:
XXXX XXXX XXXX  states that on XX/XX/2020 my credit score from Trans Union was XXXX. My information shows my credit score from Trans Union was XXXX. I would like a copy of the report XXXX XXXX XXXX  received from Trans Union that showed my score being XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: CA

Complaint narrative:
XXXX XXXX has repeatedly reported inaccurate information on my credit report that has caused significant hardship. I have been fighting to get this inaccurate information removed for over 2 years. 

Back in XXXX, I submitted disputes to Experian for inaccurate charge off dates and the company repeatedly verified this incorrect information. Frustrated with lack of action from XXXX XXXX I resigned myself to wait 2 years until this information would be removed because it is over 7 years old. I  again disputed the incorrect information and account that was more than 7 years since the date of first delinquency and the company did not remove the account. Plus they reported the account as being charged off in XX/XX/XXXX and XX/XX/XXXX which dropped my score 40 points. The date of first delinquency was in XX/XX/XXXX therefore the negative information should be removed because it is over 7 years old. 

The company needs to remove this account off my credit reports or I will be seeking damages in court for the last 2 years of incorrect reporting. 

Here is the copy of my orginal complaint back in XX/XX/XXXX " After a dispute, XXXX XXXX XXXX  verified incorrect information on my Experian Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on Experian. I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my Experian showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my Experian report. The company then verified the false information and the dispute was closed. I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint. '' For documentation I have attached a dispute from XX/XX/XXXX that shows the correct infomation but does not list a date of removal, I've attached XXXX dispute results that show incorrect charge off date and incorrect date of first delinquency, and XXXX dispute results with another incorrect charge off date and incorrect date of first delinquency. Finally, I have attached a letter from XXXX XXXX admitting the information is incorrect. It is the companies responsibility to report accurate information. I will be suing if you do not remove this from my 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 2020-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
The dates are wrong, the balance is wrong, im no longer liable since they sold to collection agency, and they still show a outrages balance. It says it was opened in XXXX and i knew nothing about this account as i moved to Florida in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX and US Dept of Education is reporting false negative information on my credit reports in all three bureau 's. I've disputed the situation so many times in the pass, i've asjed them to send me something in writing with my signiture on it to prove that these are my accounts, but I have yet to see something in writing with my signature on it. I don't know anything about these accounts and need them deleted if they if they can not show me something in writing proving that they belong to me because it is destrying my credit and I'm trying to buy a house for my family. So please ask them to send you guys something in writing with my signature on it. If they can not then please have them delete ut from my report like is said to happen by FCRA SECTION 609, 611, ETC. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My fifth third credit card account was not reporting correct information to the credit bureau I made multiple attempts to call into the credit card department I spoke to multiple supervisors no results then I get a message from the vice president on XX/XX/2020 name XXXX XXXX she left a voice message on my phone indicating to call her I made multiple attempts to reach out to her right after receiving the message with them two days I noticed my credit score has dropped I looked at the problem and it shows that the account is closed I tried to reach out to XXXX XXXX multiple times and receive no call back and no answers I have also called the credit card department explaining to customer service the situation no solution and no help so my credit score was not reporting correctly then she turns around and close the account can't reach her not getting any car back and now my credit score has been affected because of this ever since I open the account with Fifth Third business not been reporting correct information to the bureaus they are not reporting every month I have tried in multiple ways to get this problem fixed and I am the one that is getting affected by the situation even worse during the covid-19 improper handling and abuse of my account information being reported to all three credit Bureau missing information and different information dates amounts are different

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Went to pay my bill XX/XX/2020 on the app approx 17 days early. The app said I needed to log into the website. I log into the website, and it states my account is closed. Had no clue why. I called synchrony in regards to my XXXX XXXX card. The guy that answered sounded like he was on a cell phone. I could not understand him. Called back again, gave my info and asked why my account was closed, he states he needs to transfer me to an account specialist. He didnt and transferred me right back to the beginning to start all over. I call back again, ask the person why is my account closed, I paid my bills every month, never been late for over 9 years. He said well I dont know how to put this, but your credit profile and that Im getting a letter in the mail. My credit score dropped a bunch of points because of them closing my account when I have 100 % payments on the account and my credit report. I didnt not ask for covid assistance or anything so to just close my account because its risky is not right and to damage peoples credit.

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX DOB :XX/XX/XXXX XXXX XXXX XXXX   POLICY XXXX BUSINESS NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EMAIL XXXX XXXX XXXX NUMBER XXXX XXXX  EVENT NUMBER XXXX PERSONAL, FAMILY, HOUSEHOLD, XXXX XXXX XXXX XXXX XXXX XXXX. OFFICE OF LAWYERS IDENTITY THEFT DUE TO XXXX  STATE AGENCY & FEDERAL AGENCY DECLAIRED NATURAL DISASTERS.

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westlake Services, LLC
State: TX

Complaint narrative:
well, I pay {$30.00} a month to XXXX  and XXXX  to me with fixing a thing that I figured would be easy considering all the documents I've sent. The more I try to fix inaccurate information the worse both make my report. The people just don't understand English very well and do not understand the issue. I've had to a credit card company cut my card off because XXXX  said it was related to fraud. the account was not related to fraud the two-month first premier report my payments late was not my fault they were late.they were late because of a fraud-related problem affecting my taxes and financial aid for school.com. Another issue I am having with XXXX is when I call them I noticed what they see in my report is not the same as I see when I'm login to my membership account. .Almost always they open another dispute after I get off the phone with them. a couple of times this has happened and I didn't make a dispute. They have the amount of money I have available wrong on my accounts the card limits on cards the date accounts were open. They do the opposite of what I tell him or show them. I paid my only two cards off they have a credit limit for both backwards and the account were both at XXXX for two months. now XXXX and XXXX with remaining available credit of XXXX, not XXXX. I think XXXX  is the problem not my who I have accounts with

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 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I had five accounts with Synchrony Bank and in the end of XXXX Synchrony Bank unexpectedly and suddenly closed them. They stated their reason was Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. 

This reason is a lie. The activity on my accounts was perfectly normal as was activity on every account Inhave or have ever had. Later, Synchrony Bank lied again and stated it was because I had too much credit with them. Were that true, they would have reduced my limits or only closed some of my accounts. 

The FCRA and ECOA requires a specific and valid reason why adverse action is taken. It is common knowledge that Synchrony Bank is suffering financial distress and is currently in a campaign closing tens of thousands of perfectly maintained accounts with often bogus, incoherent reasons and failing to comply with the ECOA and FCRA. It's likely they are either redlining or taking age into account when closing accounts.

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 2020-07-18 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020, I put my shoes on XXXX XXXX, and sold it to " XXXX XXXX '' ( XXXX name ) through Venmo for {$380.00}. After I got the {$380.00} in Venmo, I transferred it to my bank account, and it usually takes few days. However, after a month, I still didn't see that {$380.00} transfer to my bank. So I contacted Venmo, and they told me that person has disputed his payment which is {$380.00}. So I tried to contact " XXXX XXXX '' on XXXX but found out he blocked me. I didn't know Venmo allows people to dispute their payment through the bank for no reason. The guy who disputed the payment, his Venmo ID is " XXXX ''. Venmo have created a case for it, and the case number is # XXXX. However the Venmo agent, XXXX, told me that they will do nothing about it. Not even contact the bank for the fraud disputed. I went to the police department to file a report. The report number is XXXX, and the phone number of the police department is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation