vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-19 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: MO

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

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 2023-04-19 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: CA

Complaint narrative:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-04-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On my XXXX Credit Report there are three credit card accounts for The Home Depot credit cards, two of which are mine, however the 3rd one is not mine. I've contacted The Home Depot to correct their error in reporting this third credit card under my name and was able to determine that the problem is due to my phone number is associated with my ex-employer 's Home Depot Credit Card, and her rewards points account at Home Depot. The account number I believe is associated with this The Home Depot Credit Card is XXXX XXXX XXXX ends with XXXX or XXXX. I believe that this credit card belongs to XXXX XXXX, an ex-employer and an ex-roommate of mine, who added me as an authorized signer on her Home Depot account several years ago, possibly giving them my phone number to contact as I was a job site supervisor for construction materials purchases for her at the time. However, I am not responsible for her credit card account at Home Depot. I've repeatedly explained my issue to their Credit Department and although they promised to stop reporting in my name, they have neglected to correct the issue. Since the account is paid on time, they seem to be reluctant to address this issue. I've also complained by filing a dispute with XXXX, and they investigated and neglected to change their credit reporting for me. The balance is ill-effecting my credit score. If anybody would seriously investigate this issue, they should be able to see the credit card payments are not being made by me because it's not my credit card! I want this high balance to stop being reported in my name, so I am hopeful that you can have better results then I have had in getting XXXX and XXXX to discontinue reporting this account on my credit. The XXXX Investigation report number is XXXX and was Investigated in XX/XX/ XXXX and remains reported on my credit report. Thank You for your assistance in resolving this credit reporting error.

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 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: NJ

Complaint narrative:
Credit Systems International has been sending me repeated bills of collections for a XXXX XXXX company for the total of {$1000.00}. On XX/XX/2023, I completed a FTC Identity Theft form which indicated that this was due to identity theft and fraud. There was another utility company, XXXX XXXX XXXX, which XXXX was trying to collect {$310.00}. This was just resolved by XXXX but I want to ensure Credit System knows this is identity theft and clears that off my credit. I have called repeatedly and stated the actions I have already took in proving this is identity fraud. There were also two false addresses from Texas, never lived there or know anyone there, that were being used for the XXXX XXXX and XXXX XXXX. I have been with XXXX & XXXX for 5 years and I have never even heard of these scammer companies. XXXX XXXX are terrible to work with and basically said they dont believe me. I sent them years worth of XXXX & XXXX documents, government documents and the identity fraud application and still are sending me letters stating its not enough information. This has been a terrible nightmare for someone whos identity has been stolen and they make it 100 times harder by not believing the hard evidence. I already told them I will not pay it and keep fighting all the letters they send.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: NY

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts Amount Date Opened XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
There have now been multiple times I send my payment on time, then I have a late fee posted and my payment is not posted until 72 hours later. 

I have had to watch my statements and call in SEVERAL times to their customer service line to have them fix the issue. In the past they have waived it but theyre now claiming they unable to. They are instructing you to pay the bill 7 days early, effectively making the due date of the payment earlier than it is. I have mailed my payments prior to the due date every-time but they wait to process the payment until after the due date and want me to be responsible for their inability to do their job in a timely manner. 

I find their delays in processing the payments intentional and predatory since they offer the financing interest free they need to scrap up fees in this way.

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MO

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: NV

Complaint narrative:
In 2022 I set up reoccurring payments online for the sum of {$270.00} which should have paid my XXXX XXXX interest loan 2 month before deadline, the reason for my action was due to change in work schedule. In XXXX of 2022 I checked to make sure that my account had been paid off so I could allocate those funds to other debts but I found out that they had only been deducting {$190.00} instead of the amount I set up so they set me up to fail and tacked on an additional {$4000.00} in interest. I've called CONNS and spoke with there representatives regarding this issues and set up thru there representatives the amount requested online and each month they continue to only take {$190.00} I've even gone into the store and they never seem to have any Manger or supervisory phones contact to resolve there deceptive business practices. The last representatives I spoke with advised me they would set up the payments at {$350.00} and they would remove the interest charges only to once again have them only withdraw {$190.00} THIS IS XXXX  and if they done it to me I guarantee they have done this to thousands of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm being charged for a lending loan that I never received

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 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: LA

Complaint narrative:
I reached out to equifax credit reporting agency about an unknown account ( XXXX credit ) that I noticed from XX/XX/XXXX I then filed complaint with confirmation number XXXX on XX/XX/XXXX after I reached out to the original creditor and asking to provide me with any proof or origin of this account they failed to produce any application or contract with my name or my signature. In my complaint with equifax I asked if they could also provide me with any original application or contract with my signature verifying the debt and that if they couldnt I demanded the account be deleted due to inaccuracies they then responded with a document of account history in which the document doesnt have my name and/or signature and it is not an original document its a document generated on a computer. I then filed another complaint with equifax with confirmation number XXXX again requesting the same in formation and that they were in violation of the law and violating my consumer rights which they responded with the same document

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2023 I am contacting you because I have found some information that is inaccurate on my consumer credit report. Please remove this account XXXX XXXX XXXX, account number # XXXX, for inaccuracies and false reporting because the payment histort reflects XXXX that Equifax is reporting 30 days late, and XXXX is reporting XXXX as 30 days late, and XXXX XXXX reporting XXXX as on time. This is inaccurate reporting of the payment history with the account, XXXX XXXX XXXX. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2023 I am contacting you because I have found some information that is inaccurate on my consumer credit report. Please remove this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for inaccuracies and false reporting because the payment histort reflects XXXX that XXXX is reporting 30 days late, and XXXX is reporting XXXX as 30 days late, and Experian is reporting XXXX as on time. This is inaccurate reporting of the payment history with the account, XXXX XXXX XXXX. Please delete this account 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 explanation
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
I was promised an " INSTANT CREDIT SCORE BOOST '' AND NEVER EVER EVER RECIEVED ONE FROM " SELF '' ..I last used the card in XXXX of 2022 and each month i am charged a " purchase interest fee '' of anywhere from {$12.00} to {$17.00} IN ADDITION TO MY MONTHLY PAYMENTS. THIS company has my score at XXXX and is STILL TELLING ME " LETS FIX IT ''! Maybe if they fixed it AS ADVERTISED AND PROMISED I would have it fixed! This company has my score lower than ALL THREE CREDIT AGENCIES and their system rejects my AUTOMATIC payment ( LINKED TO MY BANK! ) when submitted THEN charges me A LATE FEE AND THE SAME PAYMENT THE NEXT DAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: TX

Complaint narrative:
Equifax provided a response XXXX stating XXXX and XXXX are reporting the student loan accounts accurately. This statement is false ; 1. XXXX transferred my loans to XXXX as shown in the attachment clearly displaying the total loan amount due. 2. XXXX is no longer in operation and Equifax DID NOT speak nor receive a written response from any one at XXXX. 3. I spoke with XXXX yesterday, XXXX verbally and re-confirmed the total amount referenced on the letter sent from XXXX to XXXX along with the total amount due. This information is indisputable ; it is clearly written and visible that the XXXX account is an exact duplicate account that is reported on my credit report. All XXXX accounts are correct and the XXXX account should NOT be listed on my credit report. 

If this issue is not resolved I will have to take this matter to court due to negligence. Equifax can not deny what XXXX has in their database, the letter provided as proof, along with the existence Fedloan is NO LONGER OPERABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: MO

Complaint narrative:
I received an alert on my credit report this morning for owing {$60.00} to XXXX. I never had XXXX, nor never lived in an area that offered XXXX. I called XXXX and told them that. I ask did the person who opened the account present any physical forms of ID, besides a stolen social security number? My concerns is how can someone open an account in my name, without presenting a physical ID to XXXX? All of my bills are current, and if I had an account with XXXX, it would be current too. I have bigger fish to fry than to slight XXXX out of {$60.00}. I refuse to pay it, because it's not mine. I actually would like XXXX to compensate me something for allowing person to open an account in my name without verifying ID. I'm in the middle of purchasing a home, and if this false information hinders that, I will seek further legal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief