vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-22 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: FL

Complaint narrative:
Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


USDOE/XXXX {$3400.00} USDOE/XXXX {$18000.00} XXXX XXXX {$9400.00} XXXX XXXX ( Original Creditor : 06 XXXX ) {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Act. # XXXX {$6700.00} There is also a collection agency by the name of " XXXX XXXX XXXX '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020, there was an authorized transaction of withdrawal for {$200.00} at an ATM machine in XXXX. However a second and third attempt were made to withdraw the same amount of money and a communication error was received. Cash was not released for those two additional attempts. I have a receipt showing the communication error for these attempts. However, {$200.00} was debited from my checking account twice. The second time, no money was released and therefore I should not have been debited for the {$200.00} the second time. I have documentation from the bank in XXXX confirming this as well as the receipts from the ATM stating the communication error however TD Bank has not credited me for the 2nd attempt, in which no cash was released.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-22 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: MO

Complaint narrative:
In XX/XX/XXXX, I received and reviewed my credit reports from XXXX, Equifax, XXXX and XXXX. On them I saw docket numbers : XXXX and XXXX. I then contacted XXXX, Equifax and XXXX and asked for verification on where this information came from. The results were, XXXX told me they verified these records through a third party company, XXXX gave a vague response that it was verified as accurate but did not say from whom. Equifax said they verified the records through the court. I believe this to be a violation of my rights under the Fair Credit Reporting Act so I reached out to the court here in Missouri. On XX/XX/XXXX I received the enclosed letter from the court stating that they actually do not furnish any of my information to any credit bureaus at all. XX/XX/XXXX I followed up with the credit bureaus to let them know of my findings and I sent them the letter from the court. Ive done all I can as a consumer but I need your help because I am being ignored. It has been an entire year and I have never gotten a response from the bureaus or any further results or authentic verification. Please review the enclosed documentation and remove dockets : XXXX and XXXX from all credit reports immediately. Please send me confirmation when this is completed. I have also included a copy of my license for identification purposes. 
Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
On XX/XX/2020, around XXXX XXXX MST, I called University Accounting Service LLC ( my private student loan servicer for my loan under XXXX - XXXX ) at ( XXXX ) XXXX, expressing concern that all my statements are missing after they moved to their new online system/website at https : //www.uasconnect.com earlier in the month. The customer service agent said that this was due to the move to the new system and that my documents would be uploaded by the end of the week. The week ended yet the documents are still missing, as of today, XX/XX/2020 XXXX XXXX XXXX MST ). I genuinely wanted to review my statements to see clearly and in detail how my loan balance has changed in the last 15 months, but I am unable to do so and I suspect this is a violation of my rights. It has now been at least two weeks since they completed the transition to the new system, yet they still are not providing me current or past statements. I do not trust this company and do not wish to have to keep calling them for something as simple as my statements. Therefore, I am submitting this complaint to the CFPB as I am probably not the only person affected by this negligence. Because I do not trust this company, I hope that this complaint to the CFPB will get them to act more expeditiously to resolve this than they would otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: MA

Complaint narrative:
Received a prepaid card to be activated from Ohio unemployment benefits. Never worked in Ohio. I tried cancelling the card, but could not get through to a person via the number provided. Found a form to complete to report unemployment benefits received that did not apply for and there was no where on the website to submit the form. This was for my husband who is now deceased and I do not know how to cancel this card. 

The card was for XXXX XXXX and it was received from US Bank and the website provided was www.usbankreliacard.com

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 2020-11-22 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: FL

Complaint narrative:
Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/ Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$3400.00} USDOEXXXX {$18000.00} XXXX  XXXX  {$9400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) {$110.00}

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 2020-11-22 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: FL

Complaint narrative:
Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth :XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$3400.00} USDOE/XXXX {$18000.00} XXXX  XXXX  {$9400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) {$110.00}

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 2020-11-22 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2020, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX add a hard inquiry on my credit report per 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 2020-11-22 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Adler Wallach & Associates ( AWA ) placed a collection on my credit report for " XXXX XXXX ''. 
It is not mine, I've NEVER had any sort of XXXX XXXX account. 
I informed them that it was not my account and I disputed it through the credit bureaus but Adler Wallach & Associates refused to delete it from my XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax reached out to the US Dept of edXXXX, which has been reported on my credit report since XXXX. Equifax recently provided them with my email address of which I am being harassed. As of today, my FICO score was dropped XXXX  points due to payments on this account not being made. US Dept of Ed, stopped these payments themselves due to the Pandemic, stated in an email sent to me on Saturday, XX/XX/XXXX. 
If the US of ED, stopped taking payments because of the pandemic, why on earth did they report this account 120 days late. 
Also, on XX/XX/XXXX and XX/XX/XXXX, activity by XXXX  XXXX was reported to Equifax, for charges that were pending on my account from a purchase made at XXXX late the evening before. When I called Equifax on XX/XX/XXXX, the representatives stated that XXXX XXXX provided them this information. Under FCRA, card usage done by debtor can't be reported until the billing cycle, mines is the XXXX of each month, yet Equifax had access to my shopping in XXXX, transaction still pending, to which my credit score was reduced XXXX points on XX/XX/XXXX, the following day after the purchase was made. Also, I made payments to this account to decrease the balance, before my billing due date, this information was not reported or updated, nor did it increase my credit score back to the previous score after losing XXXX points. It is also fair to note that XXXX XXXX would not allow me to make a payment, because my transaction was still pending and my balance was still low, too low for them to allow me to make a payment. How did Equifax get a hold to this information? 
Last but not least, XXXX is reporting inaccurate information, has failed to update, information, that the account was sold to a collection agency, when and the amount it was sold for, in addition to providing the name of the new account holder, and keeps reporting this information as verified. on XX/XX/XXXX, I sent a certified letter, asking XXXX to validate this account. It is now XX/XX/XXXX and XXXX XXXX has failed to validate any updated information. XXXX sold this account which means they no longer own the debt, but they are refusing to update my credit report or respond to me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2020, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2020, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, MACYS/DSNB add a hard inquiry on my credit report per 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 non-monetary relief
Consumer complaint received 2020-11-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XXXX of XXXX, I received and reviewed my credit reports from XXXX, XXXX, Experian and XXXX. On them I saw docket numbers : XXXX and XXXX. I then contacted XXXX, XXXX  and Experian and asked for verification on where this information came from. The results were, Experian told me they verified these records through a third party company, XXXX  gave a vague response that it was verified as accurate but did not say from whom. XXXX  said they verified the records through the court. I believe this to be a violation of my rights under the Fair Credit Reporting Act so I reached out to the court here in Missouri. On XX/XX/XXXX I received the enclosed letter from the court stating that they actually do not furnish any of my information to any credit bureaus at all. XX/XX/XXXX I followed up with the credit bureaus to let them know of my findings and I sent them the letter from the court. Ive done all I can as a consumer but I need your help because I am being ignored. It has been an entire year and I have never gotten a response from the bureaus or any further results or authentic verification. Please review the enclosed documentation and remove dockets : XXXX and XXXX from all credit reports immediately. Please send me confirmation when this is completed. I have also included a copy of my license for identification purposes. 
Thank you in advance for your assistance.

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 2020-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a dispute with my XXXX XXXX  XXXX. 
On XX/XX/2020 I made a purchase of {$18000.00} from XXXX. 
The package was supposed to be shipped via XXXX or XXXX  with signature required. 
Unfortunately the package was never delivered to me. 

Despite all the proofs I provided to my credit card company they did nothing to help me. They keep reopening and denying without provided any proofs that the package and signed by me. They didn't even request anything from me to support my claim, they keep opening and closing it without any proofs and they didnt even call or contact me. 
I had to call and chase them myself and inform that I had all the proofs to support my claim and I faxed them everything and requested them to confirm receipt of my documents in written form which they never did. 

I didnt not sign for my package and I have never received my goods. The package was never properly delivered to me. I have filed a police report that my package was lost or stolen. I have proofs from USPS that the package was signed BY WRONG PERSON and WAS supposed to help in USPS pickup office. 

The truth is it is already 6 month my bank is doing nothing to help me. They never called me, never provided any explanation or proofs that my package was delivered to me. I even contacted XXXX and they informed me that the dispute should be resolved in my favor. Synhrony bank has done nothing to help me.

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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/20 my Credit report was pulled for a pre-approval form XXXX XXXX. Minutes after my credit was pulled I received multiple calls from XXXX  ( lender ). XXXX was attempting to sell me mortgage loan options. The representative indicated that Equifax has a " deal '' with XXXX - providing them with notifications of credit pulls from other loan institutions. 

I find it hard to believe that an initiation responsible for maintaining credit information is able o leverage/sell my private information without consent. Could you please verify. 

Numbers I received calls from : XXXX XXXX Thanks!

Company response to consumer: Closed with explanation