vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 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 received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never applied for student loans. I have never went to school to have student loans. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX   XXXX {$2300.00} XXXX XXXX XXXX   XXXX {$5400.00} XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX XXXX XXXXXXXX {$7200.00} XXXX XXXX XXXX   XXXX {$7300.00} XXXX XXXX {$4000.00}

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 2020-03-26 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 received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never applied for student loans. I have never went to school to have student loans. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX   XXXX {$2300.00} XXXX XXXX XXXX   XXXX {$5400.00} XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX XXXX XXXXXXXX {$7200.00} XXXX XXXX XXXX   XXXX {$7300.00} XXXX XXXX {$4000.00}

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 2020-03-26 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX {$340.00} XXXX XXXXXXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
2 companies ( resurgent capital, LP, and XXXX XXXX ) are reporting on my files. This account appeared on my XXXX  report, due to a complaint I filled with the XXXX in XX/XX/XXXX. States opened in XX/XX/XXXX, yet was only on my XXXX files until I initiated the complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: MS

Complaint narrative:
Credit Bureaus are allowing Creditors to report inaccurate and unverifiable data, not belonging to me, on my credit file. One in particular ( XXXX XXXX ) has provided information and account information not belonging to me, which could have resulted in identity theft from the reported address and names. Account is not mine. Credit Bureaus and Creditor has Refused to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA-you are required to '' ... promptly DELETE all  information which can not be verified. Credit One is not complying with the FCRA and I demand the items be deleted 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 2020-03-26 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$18000.00}, on the US DEPT ED partial account number XXXX. Equifax ; XXXX   and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$42000.00} on the US DEPT ED partial account number XXXX. ( Please see pages attached from my credit report. ) These loans have been consolidated and I have been making on-time monthly payments to these accounts and the amounts being reported are inaccurate and the lates that are reporting are completely false. I have made ( 3 ) consecutive on-time monthly payments and therefore these accounts should not be reporting at all. I have attached a copy of the consolidation paperwork dated XX/XX/2020 for reference. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: CA

Complaint narrative:
On XX/XX/2020 I sent certified mail written communication to Transunion dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that Transunion used to verify all data for each listed account in a effort to avoid violations under FCRA 605. I received communication from Transunion dated XX/XX/2020. Out of 17 request for verification of accounts. Only 1 item was deleted. I request for Transunion to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/2020 I sent a second certified mail written communication to Transunion dated XX/XX/2020. requesting verification to substantiate information that is being furnished to them. FCRA requires Transunion to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation Transunion received and used to verify the information being reported and maintained in my file. Transunion must verify and validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).

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 2020-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Elite Recovery, LLC
State: GA

Complaint narrative:
I got yoked into settling an account for XXXX XXXX, which I found out through filing here that the account was sold to a collection company. I set up a payment plan with XXXX XXXX XXXX or American Elite Recovery on XX/XX/2020. When they started collecting the payments appeared on my statement as paid to XXXX XXXX XXXX XXXX XXXX XXXX. After the FTC contacted XXXX XXXX, who responded via the portal I started receiving phone calls and letters from this law firm. The letter is as followed You have recently made a payment to XXXX XXXX XXXX  or American Elite Recovery of XXXX XXXX XXXX EST in the amount of XXXX, on card ending in XXXXXX. Your card statement, you will see the amount of this charge from The XXXX XXXX XXXX  XXXX XXXX, as we are the former payment processors,. Your funds have been appropriately distributed to the current creditor. 

Please refrain from filing any chargebacks on the payments as it will cause the payments to be reversed by the client, this will be considered fraudulent banking activity, and the client may reactivate your account with excessive fees. 

Again this letter is to confirm, we have ceased payment processing for XXXX  and any fast payments have been remittd to the appreciate client, and your account is in good standing. No further action is needed, If you have future stated payments, they will be processed by another payment processor. If you have further question or concerns please feel free to contact XXXX XXXX XXXX XXXX XXXXXXXX XXXX at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-26 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
We have been told that the Government has now initiated a new program for extending mortgages due to the Coronavirus situation. Supposedly the banks will extend mortgages for up to a year. We have a current mortgage with Bank of America for one of our rental units. We would like to extend this mortgage for at least 90 days because we do not want to be caught in a bind. It looks like more and more states are not allowing eviction for non-payment of rents. If this were to happen to us we would not be able to pay the mortgage on this property. 
We have called Bank of America on XX/XX/20, XX/XX/20 and XX/XX/20 and we were placed on hold for over 2 hours and the call just drops. This repeats no matter how many times we call.

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 2020-03-26 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: PA

Complaint narrative:
I have previously submitted Identity theft complaint to all 3 credit bureaus. My FTC report number is XXXX. My issue is I sent 2 separate FTC reports trying to resolve the accounts and inquiries on my credit report that does not belong to me. XXXX, XXXX  and Experian as failed to protect me as a consumer and block those items on my Identity theft reports under the FCRA section 605B. This is a direct violation of my rights as a consumer. How can the verify information that is fraudulent and my personal information has been stolen and used without my permission.

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 2020-03-26 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: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
Ally Financial is reporting an incorrect status on my account. I fell back behind on payments a few years ago. Since then I have been making my payments on time with no problems. However, the way that they are reporting on my credit is causing me problems. I have not had any issues and ask that you please update my account to show " current, or paid as agreed '' and remove the repo code on it. It is not a repo and I have been making payments on time for the past couple of years.

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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I attempted to access my free annual credit reports from XXXX because it promotes itself as the company selected by the federal government to assist people in obtaining their credit reports. 

Long story short the website did access the credit reporting agencies for me but in the middle of me trying to view my credit reports its link timed out and I was not unable to view 2 of the 3 credit reports and unable to download 2 of the 3 credit reports as well. When I tried to access XXXX or XXXX Credit Reporting Agencies after being timed out I was unsuccessful and equally unsuccessful getting any type of assistance from XXXX. 

This is completely unacceptable behavior by XXXX and the company needs to be replaced and soon too by a competent merchant which knows the importance of good customer service because this company and that is quite evident by the fact that it has no phone number available for customers. I have sent this company numerous emails since it shafted me and they have all been ignored. I haven't received a response from the company and don't expect to because it's remiss in its duties to its customers. 

XXXX needs to be replaced by a competent company because it's very obvious this company does not care about it's customers and is profiting from its relationship with the federal government and little more. Poor customer service is this company 's trademark and it needs to be replaced immediately at least terminated from any type of official relationship with the federal government as it pertains to free credit reports and the like.

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 2020-03-26 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX  XXXX  XXXX {$340.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}

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 2020-03-26 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$340.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}

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 2020-03-26 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have been trying since 2016 to get XXXX, XXXX  and XXXX  to correct my credit report. They take anything the creditor gives them and then closes the case. I am never notified, questioned or involved in the so called " investigation ''. I have supplied Identity Theft Reports, Case # 's, Emails to them proving my case. The original creditor no longer own the debt. I call and call and get no response. I have mailed things to the CFPB proving my case. I get empty promises, language barriers and forwarded to endless ringing lines, XXXX  XXXX, Synchrony Bank, XXXX XXXX, Walmart, XXXX XXXX are the worst. XXXX XXXX and Synchrony Bank are the worst to deal with. This is a one sided problem that needs to be fixed. I will be taking legal action immediately if this does not get resolved. This is fraud and as a US Citizen I want justice. It should not come to this. I have paid what I owe and done my due diligence. I am prepared to stand up for my rights as a taxpayer. I have asked for signed documents by me with my handwriting proving these accounts were mine and charges were me. I have never got anything. Every month my scores just drop. Please contact me so we can work together on getting justice for me. I am involved in so many data breaches and have not gotten any justice from that. The attorneys sure have. That is wrong. I am human too.

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 2020-03-26 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: MO

Complaint narrative:
I have been trying since 2016 to get XXXX, XXXX  and Experian to correct my credit report. They take anything the creditor gives them and then closes the case. I am never notified, questioned or involved in the so called " investigation ''. I have supplied Identity Theft Reports, Case # 's, Emails to them proving my case. The original creditor no longer own the debt. I call and call and get no response. I have mailed things to the CFPB proving my case. I get empty promises, language barriers and forwarded to endless ringing lines, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX are the worst. XXXX XXXX and XXXX Bank are the worst to deal with. This is a one sided problem that needs to be fixed. I will be taking legal action immediately if this does not get resolved. This is fraud and as a US Citizen I want justice. It should not come to this. I have paid what I owe and done my due diligence. I am prepared to stand up for my rights as a taxpayer. I have asked for signed documents by me with my handwriting proving these accounts were mine and charges were me. I have never got anything. Every month my scores just drop. Please contact me so we can work together on getting justice for me. I am involved in so many data breaches and have not gotten any justice from that. The attorneys sure have. That is wrong. I am human too.

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 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
I was contacted multiple times by this company demanding payments that were incorrect I have also submitted in writing disputing the amount this company and XXXX XXXX XXXX were both sued multiple times for overcharging customers false advertisement and incorrect billing they also have been alerted multiple times to the XXXX XXXX XXXX and have a alert placed On their company and there was a class action lawsuit that I wasnt was not aware about until now. My fianc has passed away and I need everything to repair my credit and this is the only creditor that has yet to resolve this issue I would like to have this removed from my credit report due to incorrect in overcharged fees and harassment Attached is proof of the above information.

Company response to consumer: Closed with explanation