vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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: GA

Complaint narrative:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXE : Acc No : XXXX Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : XXXX : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX   XXXX XXXX : XXXX No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX   XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc No : XXXX Date Opened : XX/XX/XXXX XXXX HOSPITAL : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXXXXXX : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, 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
Consumer complaint received 2020-05-05 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: GA

Complaint narrative:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX  : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX   XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX HOSPITAL : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
To whom this may concern : Thank you for taking the time to read this email. Im writing because I noticed that my most recent credit report contains 60-day late payments reported by FedLoan Servicing from 2014. These incorrect notes are being listed on all ( 9 ) loans that I have with them.

- The payments should not have been reported as I was under a forbearance period.

- Those forbearance was needed due to an XXXX XXXX XXXX   that required multiple months to recover ( I was unable to care for myself without assistance during the recovery ) - I was told by FedLoans that there would be no negative credit reporting and the forbearance would protect me from any negative action.

I've reached out to FedLoans to make them aware of the mistake, but I did not receive help in resolving the matter. As you may imagine, the impacts of this late payment has had a negative impact to my credit report. I have had excellent repayment history for all of my debt obligations, this is not an appropriate reflection of how I handle my responsibilities. Please help me resolve this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've submitted proper documents stating that I was the victim of Identity Theft. Nothing has been done.

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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have 3 credit inquires that I never authorized or applied for. One of them the company recognized the mistake and send the credit bureaus a correction. One of the credit bureaus ( Equifax ) still refuses to delete this inquiry despite contacting them about it 2-3 times. 

1. XXXX XXXX XXXX I never applied to this company and never requested a credit from them. ( tried to have Equifax delete it but they refused and just added a remark that I disagree ) ( I need this entry completely removed because I never made it ) 2. XXXX XXXX.I never applied to this company and never requested a credit from them. ( tried to have Equifax delete it but they refused and just added a remark that I disagree ) ( I need this entry completely removed because I never made it ) 3. XXXX I never authorized this inquiry. I contacted XXXX about it and they agreed that it was there mistake. They sent explanation to the credit bureaus stating that it was their mistake and to remove it. XXXX   and XXXX  removed it except Equifax, they still refuse to remove it even after I explained what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've submitted proper documents stating that I was the victim of Identity Theft. Nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TX

Complaint narrative:
I've submitted proper documents stating that I was the victim of Identity Theft. Nothing has been done.

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 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TX

Complaint narrative:
I've submitted all proper documents stating that I was the 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 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
A tree fell on my roof and the snow melted leaving my bedroom filled with black mold. When the maintenance removed the branches they broke my window. My attorney reached out no response for months. I moved.They kept my XXXX deposit and charged me XXXX. Therefore, I filed a civil lawsuit and I am prepared to ask for the maximum amount for damages. This is on my credit but there is no judgment from the court. This is an open case in XXXX County Magistrate Court naming XXXX XXXX XXXX as the defendant. You cant put this on my credit before the judge makes a ruling that I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON COLLECTION AGENCY ( XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
In XX/XX/2020 I was told by a Lowes employee that I could make a large payment on my Lowes credit card that day to make a purchase that day and get my 5 % off my purchase. I paid {$3000.00} to my Lowes card ( Synchrony Bank ) and when I tried to use it for my purchase, it was declined. My bank had pre-authorized the transaction. I was then told that since my credit limit was {$100.00}, I could not spend {$3000.00} on my Lowes card, even though I already paid that amount on my card. The transaction to pay on the Lowes card came from my debit card. I had a 3 way call with my bank and the Synchrony bank people to try to resolve it. The store was unable to make an adjustment and refund my {$3000.00} as well. Luckily my bank had put in a provisional {$3000.00} to cover me. 
I called Synchrony Bank at XXXX on XX/XX/2020 to ask them to credit the money back to my debit card and they have told me they can not do that. They stated so had to wait for 7 days from the date of the transaction to be issued a check that I would then receive in 7-15 business days. They took the money instantly but can not return it the same way. I spoke with a supervisor named XXXX who continually stated they can not return it electronically and I would have to wait until XX/XX/XXXX for them to even issue a paper check to be mailed. That is bad business and I feel they should not be getting interest on my money for an extra 2 weeks. I need to pay the bank back that money. Please advise.

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 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This is a formal complaint that SUNRISE CREDIT SVCS are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.

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 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: TX

Complaint narrative:
This is a formal complaint that LENDING CLUB CORPORATIONS are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There are 3 accounts reporting on my credit profile that I have never opened not provided my permission to obtain these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
As of XX/XX/XXXX Chase Bank did a reversal for the amount of {$1400.00}, which was temporary credit, until the investigation was completed. I filed a claim for items on a purchase on a checking/debit account and I did not receive from the seller involved in the purchase. Chase of course contacts the seller involved in the purchase and the seller provided false information from the carrier that was supposed to deliver but the seller used XXXX XXXX to ship as " No Signature Required '' and I did not have an option to request signature. I contacted the seller and the carrier involved, filing claims from both  parties and resulting unsuccessful. Given the false information from the carrier and lack of proof in delivery, Chase proceeded to agree with XXXX XXXX 's response. I have receipt of the purchase made online and the proof of delivery for the online purchase and the seller and carrier must have records of my complaints and phone calls made since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Everest Receivable Services Inc.
State: TX

Complaint narrative:
Individual by the name under XXXX XXXX conacted me and right from the start began asking to verify my address to send paperwork, asked numerous times to id herself and finally she did so, then at that point gave partial call disclosures. The Debt Collector claimed I owed XXXX to XXXX XXXX XXXX through their store card XXXX. This was the first time I ever heard from this debt collector nor did I ever receive anything in mail give me the chance to dispute the amount of item The agent and her supervisor was pressuring me to pay the debt at once advised did not have that kind of money, then started pressuring me to make monthly payments that were unrealistic and could not make at that point my wife had enough of their games and yelled at them, supervisor came back with an abusive comment pay your bills, and asked do want to settle this debt.This Occurred on XX/XX/XXXX Friday morning around XXXX, we did file complaint with Texas AG office and waiting for word back from them. Agency needs to DEMAND to produce the call recording tape as the violations are quite BLATANT!!!!

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