vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union has reported a status of 120 days late on all credit bureaus. As I had investigated the payment history a little further, I found that the company has no information on the matter of late payment history data under my name or accounts history. I have attempted to correct this matter with the credit bureaus only to be told a reinvestigation would take place, wait 30 days, then a response of nothing because they think my dispute is frivolous. Have received written correspondence via email showing a pays as agreed box checked which means zero or no late payment history should be present on the account, as a status or otherwise. I need this information immediately corrected across all reporting companies and bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal 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accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record.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 ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof 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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them 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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them 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 2020-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I signed up for a store card serviced by Synchrony Financial. Without my consent, I was signed up for a significant monthly " card protection '' fee. They did ultimately agree to cancel the fee and refund, but this unethical practice needs to be reported nonetheless.

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 monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$2200.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX   XXXX {$5500.00} XXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX   XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bristlecone, Inc.
State: IL

Complaint narrative:
This item was opened fraudulently using my information on XX/XX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Wouldn't allow me to link my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Dear to whom it may concern, My name is **XXXX XXXX XXXX . I am requesting investigation on these inaccurate account within 30 days according to Fair Crediting Reporting Act. 
**Name Reported** XXXX J XXXX 02 XXXX, XXXX, XXXX My correct name is XXXX XXXX XXXX . These name above are incorrect so please delete those as I have attached proofs of my identity below. 
**EMPLOYMENT INFO XXXX EMPLOYEE XXXX XXXX XXXX XXXX These employment information are not belong to me or our business. 
**Credit Cards** XXXX XXXX Reported : XX/XX/XXXX I do not have any obligation with THEM ; please delete this reference on all my credit report. 
**Credit Cards** XXXX XXXX XXXX Reported : XX/XX/XXXX How can there be {$16000.00} and {$1600.00}. Provide me full information about this account or you must delete it!!! 
**Credit Card** XXXX/XXXX XXXX XXXX Reported : XX/XX/XXXX How can there be XXXX $ monthly payment on a closed account. Delete it immediately!!! 
XXXX XXXX Reported : XX/XX/XXXX How can there be $ 163 monthly payment on a closed account. Delete it!!! 
VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Hard Inquiries** XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX    Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Travel/Entertainment ( XXXX ) XXXX XXXX XXXXnquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_***Finance/Personal ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldridge PIte Haan, LLP
State: WA

Complaint narrative:
On XX/XX/XXXX, Mr. XXXX XXXX, XXXX No. XXXX and Alridge Pite Haan, PLLP filed a lawsuit against me for the old debt that has already been closed or charged off in XX/XX/XXXX regarding the XXXX XXXX Credit Card with XXXX XXXX XXXX  XXXX or XXXX XXXX  XXXX XXXX XXXX. This is illegal for Mr. XXXX to pursue for this old debt that already discharged off or closed account. I received the summons on XX/XX/XXXX for this lawsuit. It is also illegal for Mr. XXXX and the District Court of XXXX County to serve the Summons openly and Mr. XXXX ( XXXX male in his XXXX ) has no rights to see my private information regarding this lawsuit. The summons supposed to serve to me with the seal envelope. This is illegal conduct on their part. Therefore, I am asking the CFPB to investigate this discrimination. I am being protected by the Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX  and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DPT EDXXXX, XXXX, US DEP ED, US DEPT OF ED/XXXX, USDOE/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} DPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX   XXXX {$5500.00} XXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXXT XXXX {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$2200.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX   XXXX {$5500.00} XXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX   XXXX {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL 3 CREDIT AGENCIES VIOLATED " FCRA '' CONTINUE REPORTING INCORRECT " PACER '' DATA OF PUBLIC RECORDS ACCOUNTS NOT MINES, OUTDATED AND 41 / ACCOUNTS REPORTED 2X

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX received a letter stating my application was submitted for a credit card I then called the bank Comenity and spoke to the fraud division who said my Social Security number was used to open an account.They told me the would take care of the problem. I then called back on XXXX and asked if I could get a copy of the online application which was filled out and was told I would have to request it from the Clerk of Records. 
XXXX I sent a letter to the Clerk of Records explaining I would like to see the application since this is considered internet fraud. 
I did not get any response to this request so I called XXXX and was told they could not accommodate the request that I had to get a subpoena. 
I feel if my rights were infringed upon and according to a F.B.I. law XXXX covering identity theft I feel I have the right to see where that application came from. I told the bank this was the second time in five years their bank was used.

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

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need to make a complaint on a dispute I did withXX/XX/XXXX because I never receive my item and the bank agent telling me I cant dispute it now and other ones from yesterday tell me I can dispute when my transactions are processed to my account now the agents telling me I cant dispute I tell them what the other agents tell me yesterday and I got scammed and I need the {$210.00} claim to be reopened and processed the claim number is XXXX and I need the {$14.00} claim to be refunded too and processed the claim number is XXXX my address is XXXX XXXX XXXX XXXX XXXX PA XXXX and contact phone number is 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 monetary relief
Consumer complaint received 2020-07-07 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: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
I was contacted about making payment arrangements in my account, I was paying as often as I could and trying to stay as caught up as possible. At that time I was laid off at the time. I didnt want to haves late payment hit my credit report so I asked the representative that I made arrangements with. She stated to me that the company only reports late to the credit bureaus after 60 days. Not at 30 or anytime between 30-60. I did t realized u til months later while applying for a mortgage that they did indeed report to the bureau When I wasnt 60 days late. I tried contacting them when I found out and spoke with a XXXX on XX/XX/07 via their chat system. He was very rude and told me that I did not talk to anyone in his department that would have told me they only report at 60 days because everyone in his department knows they report at the 1st of every month. I never told him I spoke with someone in HIS department ... I dont even know what HIS DEPARTMENT is. I just informed him that I was told inaccurate information and now my credit is suffering because of the miscommunication and missed info. I believe that this is inaccurate information and the company refused to take care of it. I was never 60 days late and he verified that as well I was 54 days late for XXXX and XXXX but they still refused to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
I contacted Velo law today multiple times after finding their information on my credit report. I was hung up on 5 times for not wanting to verify my social security number. While I was on the phone with them my friend said they already talked with her, called her my spouse, and tried to get payment. When I was connected with someone else who used other information for verification I explained they tried sending mail to a rehab treatment center and for obvious reasons the treatment center didn't allow that. I also explained that I should have never received a bill, XXXX XXXX XXXX XXXX under XX/XX/XXXX XXXX XXXX XXXX. They have placed me on a do no communicate list and said if I want any information I need to write them. I'd rather go in person because of XXXX. I told them sending a letter is difficult without some type of assistance and they hung up on me again. Everyone with the company calls themselves XXXX but they demand first and last name, address, and date of birth. There is no way to make a complaint and they recommend getting a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items 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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items 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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself onXX/XX/XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DPT EDXXXX, XXXX, US DEP ED, US DEPT OF ED/XXXX, USDOE/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation