vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-05 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 contacted all 3 credit agencies informing them of inaccurate personal information such as names and addresses yet they have failed to remove them. Please delete all inaccurate wrong personal information contained in the letter attached.

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 2019-10-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted all 3 credit agencies informing them of inaccurate personal information such as names and addresses yet they have failed to remove them. Please delete all inaccurate wrong personal information contained in the letter attached.

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 2019-10-05 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank Lowes Visa has managed to report my closed account as the responsible party ( myself ) as being deceased. I spoke with the company as well as filed several disputes pertaining to the matter. Lowes reported on XX/XX/2018 that the account holder was deceased as the account was closed through XXXX XXXX XXXX. ( debt settlement ) My wife passed away on XXXX XXXX. She was a secondary on the account and I was the Primary card holder. XXXX has received proof of life and other documents showing I am still alive. XXXX  states the company who reported the incorrect information has to change the report. I spoke with an employee with Synchrony Bank Lowes Visa and that person stated that there was no information sent to XXXX showing I am deceased. Each time I call XXXX, I get a different person and I have to explain where on the report it show my status as being deceased. This has been ongoing since XX/XX/2018, and disputed and reinvestigated 9 plus times. With the Status of responsible party marked as " Deceased '' I have no credit score and I am unable to get any kind of financial support or loan. I would like my life back and I am not sure where to turn to next to get this corrected.

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 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I have a collections from XXXX XXXX in my credit report I did not open. I tried calling XXXX XXXX and they couldn't help me because I do not have an account number. I tried to contact the collections agency and the number is not a working number. I tried to dispute through XXXX  which is where I saw it but they still have it as a valid charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: NY

Complaint narrative:
I am a victim 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 2019-10-05 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 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: NY

Complaint narrative:
I am a victim 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 2019-10-05 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:
This is my third letter to your company. I would like to address this issue of this inaccurate fraudulent account on my credit report. I followed your advice about contacting the creditor. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. I dont know who to believe here. I know that the law protects my rights. Since the creditor did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. Not only that Iam a victim of identity theft and this account is a result of identity theft so that is the reason they are unable to provide proof!! This account is fraudulent and should be removed immediately.

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 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has treated me like channel since day one if I caught an overcharge meant they will keep me on the phone for 45 minutes not 21 thing on XX/XX/XXXX we were pushed out of our home illegally XXXX XXXX   that night or child right for my arms while me and my husband have been XXXX  there has been fraud all over our accounts I would Peg the transactions and USAA would to release them. I have renters insurance claim for XX/XX/XXXX they just keep it there like its funny today I caught a wire transfer of all my husband Social Security into another account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Access # XXXX I have noticed an unauthorized written check from a company for {$3000.00} against my account. I contacted my credit union with good faith, I let them know that I have done business with the company that processed the unauthorized check however not for that amount and the actual amount that the check was for actually had never been cashed. The rep suggested maybe the check I had given was altered, I said perhaps, I wasnt sure. Come to find out after my own investigation looking at check numbers in my check book against the amount of checks authorized to be cashed against my account, i have a missing check. My credit union continues to deny my claim after I have given them proper paperwork and affidavits. I am constantly trying to appeal and I am never allowed to speak with a case worker as I have also been told several times someone will contact me and thats never the case. No one has ever called to verbally speak with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX DISPUTE CONFIRMATION NUMBER 'S REF : # : XXXX DATES : XXXX XX/XX/2019 CONT. ABOVE, AS FOLLOWS : # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 They refuse to correct information after being provided proof. 
They re-report an item thats been removed from your credit report without notifying me in writing within 5 business days.

They fail to respond to written dispute within 30 days.

They try to be both the purchaser of an account or the assignee. Its one or the other. 
They misrepresent themselves or the debt they are attempting to collect on. 
They try to re-age my account by updating the date of last activity on your credit report to try to keep negative information on your account longer. 
They continue to report a debt to the credit bureaus that they have not validated. 
EQUIFAX DISPUTE CONFIRMATION NUMBER 'S REF : # : XXXX DATES : XXXX XX/XX/2019 CONT. ABOVE, AS FOLLOWS : # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 They refuse to correct information after being provided proof. 
They re-report an item thats been removed from your credit report without notifying me in writing within 5 business days.

They fail to respond to written dispute within 30 days.

They try to be both the purchaser of an account or the assignee. Its one or the other. 
They misrepresent themselves or the debt they are attempting to collect on. 
They try to re-age my account by updating the date of last activity on your credit report to try to keep negative information on your account longer. 
They continue to report a debt to the credit bureaus that they have not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NISSAN ACCEPTANCE CO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: SC

Complaint narrative:
THEY WILL NOT PROVIDE ME WITH PROOF THAT THIS DEBT BELONGS TO ME, I REQUESTED A CONTRACT AGREEMENT. BUT THEY CAN NOT PROVIDE ONE

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 2019-10-05 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: SC

Complaint narrative:
THEY WILL NOT PROVIDE ME WITH PROOF THAT THIS DEBT BELONGS TO ME, I REQUESTED A CONTRACT AGREEMENT. BUT THEY CAN NOT PROVIDE ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: SC

Complaint narrative:
THEY WILL NOT PROVIDE ME WITH PROOF THAT THIS DEBT BELONGS TO ME, I REQUESTED A CONTRACT AGREEMENT. BUT THEY CAN NOT PROVIDE ONE

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 2019-10-05 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BANK OF AMERICA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITY BANK/XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and The XXXX XXXX XXXX. I been receiving harassing and threatening telephone calls between the hours of XXXX XXXX. and XXXX XXXX of harassment, abuse, misleading statements and threats of being sent to jail or prison from the above creditors Debt Collection representatives in regards to the fraudulent accounts. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I been receiving harassing and threatening telephone calls between the hours of XXXX XXXX and XXXX XXXX of harassment, abuse, misleading statements and threats of being sent to jail or prison from the above creditors Debt Collection representatives in regards to the fraudulent accounts. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.

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 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Yet again, on XXXX XX/XX/2019, Suntrust has arranged charges in such a manner that they managed to drop my account below XXXX. I have brought this grift to light many times and yet Suntrust continues to act in bad faith and steals my hard earned money. Suntrust deliberately adds and subtracts charges until they can pile enough at once to drop a balance below XXXX. It is calculated and it is fraud, plain and simple.

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 2019-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was making diligent automatic payments from my bank to Sallie Mei on my Federal student loans, but when the loan accounts were transferred to Navient, late fees started accumulating because Navient changed loan due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: IN

Complaint narrative:
I am XXXXyrs old and I receive social security every month on the XX/XX/XXXX of the month because I have XXXX XXXX I use direct express to receive my money every month an I have used direct express for about 6 yrs or so well this month on XX/XX/2019 I went to pay a bill and my card was declined so I called direct express an it said we are experiencing high call volume please stay on the line or if I was expecting a payment an did not receive it to call my payee witch would be the social security administration everything was fine with them my money was posted like normal. They wanted me to try to get in touch with directexpress I waited for 3 hours on hold just to get hung up on an here it is XX/XX/XXXX an still can't get in touch with directexpress an still no money I depend on that money that is the only income I receive because of my XXXX an I have bills to pay and I think there's definitely something strange happening so I read some other people 's review 's an comments about direct express an some people were saying they got a whole month of their income an could never get it an was getting a lawyer I could never afford a lawyer an this is not right by no means I can't eat or pay my bills I sure hope I can get my social security money soon I have nothing thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This company calls me about 2 times a day once in the morning and once in the evening. It all started last month when the final closing time for that specific credit card debt was to fall off my credit report. And even since it has fallen off they will not stop calling. This company calls from all over the U.S with different phone numbers. I have even had to block a few.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company Enhanced Recovery Company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate on XX/XX/XXXX. I learned this organization has reported a balance of {$740.00} for an account I am unfamiliar with to the credit bureaus. I know that I had no business with this company in XX/XX/XXXX I am not certain where this debt came from and would like to it to be removed from my credit reports. Please provide proof of this debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, I feel that they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA. They are reporting this debt as both open and in collections. These derogatory reports have a crippling effect on my ability to make a living and find employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation