vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 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: AR

Complaint narrative:
I use XXXX as a credit monitoring service so I get an e-mail every two weeks. On XX/XX/2020 my credit score was shown to be XXXX. On XX/XX/2020 it dropped to XXXX for no apparent reason. Nothing had changed on my side of the equation. So I called Experian and elevated my complaint to a supervisor and was told for some internal Experian reason my data file was split causing all of my open and closed accounts to be erased. No open accounts, no payment history, no account mix, nothing. When in fact I have two open mortgages, two car payments, and a couple of credit cards and some other open accounts. So they said that they would fix it in 3 to 5 business days. I waited a week and nothing happened so I called again. This time they could see the split data and would escalate the call to repair my file in 24 to 36 hours. That was a week ago. I have worked hared to earn and maintain my high credit score and I want my data restored with some explanation as to what happened. These folks are just playing around with our lives and our business and they don't seem to care at all. Please Help!

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 2020-11-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided 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.

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 2020-11-03 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have disputed these accounts on my XXXX  credit report that belongs to another person multiple and transunion says they will remove and has not removed it. It does not belong to me. Im a 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 2020-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion should not be reporting a collection/chargeoff in the amount of {$7900.00} on the CHILDSUPPORT partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. XXXX  and XXXX  are reporting correctly. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was denied for a credit card and Synchrony can not explain why. I have an Ashley Furniture credit card through Synchrony Bank that I have had for a little over a year. My minimum payment every month is {$28.00} and I pay at least {$50.00}, and it is always paid early. I only have {$400.00} left on the Ashley Furniture balance so I applied for a credit card at Rooms to Go through Synchrony Bank in order to purchase new living room furniture. I received a letter on XX/XX/20 stating my credit application was denied due to " unsatisfactory payment history with Synchrony ''. I called their customer service number immediately and was advised that they have no access to my credit report and my only recourse was to write a letter to dispute the denial or call the credit bureaus. I asked if there was another department I could call to talk to someone, as I want to make sure my questions get answered and I was advised by the customer service rep that they do not have a phone # to provide me. 

I obtained all 3 of my credit reports immediately after speaking with the agent ( on XXXX ) and ALL of my reports show NO late payments on ANY account, and my credit reports show that I am an excellent risk. I take pride in maintaining a high credit score ( currently over XXXX ) and making all payments in full and earlier than the due date. Additionally, the denial letter states the reason for denial is unsatisfactory payment history WITH Synchrony - they should be able to look into my payment history and tell me what the unsatisfactory history is, because all of the credit bureaus indicate that I have paid Synchrony on time always ( which I have ). 

On XXXX, I logged into my account online and " chatted '' with an agent. The agent told me to call the application department and provided a phone #, however, the agent was also unable to tell me what my " unsatisfactory payment history '' was. The agent then transferred my chat to a manager who told me the same thing - they could not advise why the application was denied and that I needed to contact the credit bureaus. I advised the manager that the credit bureaus show excellent credit and no late payments, so I wasn't sure what I would even ask them/say to them. The manager told me that they make their decision based off of the credit bureaus and I again told him that the credit bureaus show near-perfect credit. I asked the manager who ultimately makes the final decision whether to approve or deny the application and he advised me that Synchrony does in fact make the final decision. But no one can seem to explain why my application has been denied and I am continuously directed to the credit bureaus. Synchrony made the decision to deny my application and they can not explain why.

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 2020-11-03 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: IL

Complaint narrative:
Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with transunion & that I have 8 inquiry 's with XXXX. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies transunion, XXXX, XXXX. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud

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 2020-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: GA

Complaint narrative:
On XX/XX/2017 Collins Asset Group added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Collins Asset Group has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: FL

Complaint narrative:
Equifax and XXXX  are failing to report the XXXX partial account number XXXX and XXXX as In Dispute. These dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report to reflect these accounts as being disputed. I respectfully request that this be addressed immediately. I have contacted the bureaus to fix this issue, however I have not been successful. It is a violation of the Fair Credit reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and Transunion are failing to report the XXXX  partial account number XXXX and XXXX as In Dispute. These dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report to reflect these accounts as being disputed. I respectfully request that this be addressed immediately. I have contacted the bureaus to fix this issue, however I have not been successful. It is a violation of the Fair Credit reporting Act to not report accurate information on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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:
Hello, I am an AU on a XXXX XXXX account with a credit limit of {$11000.00} Ive tried for months to get the card to report on Transunion and nothing is working. Transunion is the only bureau that will not report the account. 

Ive contacted the Executive Office of XXXX XXXX and theyve assured me they are reporting the account. I have multiple case numbers where they have shown they are reporting and re-reporting as well as asking for reinsertion of the account and Transunion refuses to report the account. Case # XXXX Transunion is telling me that someone from XXXX XXXX has to call them and get in contact with the local Transunion marketing agents/department in order to have the account report. Transunion will not give me the info to pass onto XXXX XXXX in order to have them do so. Also, XXXX XXXX has said they DO NOT call the bureaus and it is strange that Transunion is requesting they call and refusing to report the account when they are providing them the info monthly. 

XXXX  XXXX is in fact reporting to Transunion, Transunion is refusing to report the account. Im unsure why Transunion refusing the info XXXX XXXX is sending them.

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 2020-11-03 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: NC

Complaint narrative:
I checked my credit reports and I found items that do not belong to me. I requested proof of the account and did not receive a response from the credit bureaus. I also asked for a change of address and that was not done. I also did not receive notice 5 days prior to these accounts being placed on my credit report. According to the FTC and TCRA, I am supposed to receive a notification and I have not received a notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: MI

Complaint narrative:
XX/XX/2020 till XX/XX/2020, I was under employed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I tried to close my account with Comenity ( issuer of Ann Taylor store credit card ) in XXXX of 2020. I contacted their customer service line to get my balance, which I was told was {$130.00}. I paid this amount at that time, however there was some sort of lag in billing ( item delivered late, and Ann Taylor did not charge the amount until item shipped ). This resulted in a new charge to my account that I was unaware of as I thought I had paid in full in XXXX. 
In XXXX, I became aware that I had been charged for the item that shipped late to my card, which was supposed to have been closed at that time. Note : Comenity still allowed the charge, and then charged interest on it on top. I was unaware of the charge or the fee as I believed the account to have been closed. When I realized they had allowed the late charge,, I again contacted their customer service line, got my " payoff '' balance, and paid that amount, unaware that Comenity had tacked on a finance and service charge totaling {$36.00} XXXX or so ). 
In XXXX, I again became aware of a remaining balance ( which was only from " late '' fees and interest, which I AGAIN paid. Comenity again stated it was late, and charged an additional late fee and interest charge. 
At this point, I am paying interest and late fees on nothing but interest and late fees. 
This company is predatory, they have provided no services, and they refuse to waive any of the fees that they keep tacking onto my account. 
I firmly believe they actively are practicing what amounts to usury - it is unethical and immoral, and they should be FINED. 
The fact that Comenity Bank chooses to continuously nickel and dime me on nothing is appalling - not the amount really, as it is small - but their business practice of being incredibly difficult and unreasonable is shocking in a day when customer service should be a part of business ethics - which it clearly is not for this company. I will NEVER use any store or credit card that is issued through Comenity Bank again. EVER. And no one else should, either. I can only imagine how they are preying upon less fortunate people who can not afford their fees ; they are charging fees on fees. OUTRAGEOUS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03 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: OH

Complaint narrative:
Looking over my credit report I noticed there were some late payment showing and due to the pandemic/hardship I was not able to make those payments ontime. The following accounts are listed that show late payments for 2020 : XXXX XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-11-03 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: OH

Complaint narrative:
Looking over my credit report I noticed there were some late payment showing and due to the pandemic/hardship I was not able to make those payments ontime. The following accounts are listed that show late payments for 2020 : XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today i went to deposit the cheques returned by following companies to me directly by post ( rather than sending it back to bank ) a ) XXXX group - cheque number - XXXX dated XXXX XXXX b ) XXXX XXXX XXXX - cheque number - XXXX - dated XXXX XXXX c ) XXXX XXXX XXXX {$50.00} Wellsfargo branches in XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied deposit service saying there is a stop payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another person - denied deposit service saying it has already been deposited and they put a " credited to the account of within named payee '' stamp in endorsement area of the cheque ). 

I asked for a proof that the check has been deposited, they were unable to provide it. I asked for a statement saying cheque was not deposited, they were not ready to provide that either. 

They accepted XXXX cheque. 

Their denial of deposit of 2 cheques, sent by me to the companies mentioned below is illegal as that is my money. Companies sent it back to me, rather than sending it to the bank a ) XXXX group - cheque number - XXXX dated XXXX XXXX b ) XXXX XXXX XXXX  - cheque number - XXXX - dated 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 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
SunTrust will not close my account! They keep making excuses that I have to deposit money or that they have to wait for items to clear. I have tried several times asking them to freeze the account, calling over the phone, coming into a branch in person. Even when Im standing here in person with enough cash in hand to bring the balance to XXXX, they refuse to close the account claiming that they cant and asking me to come back tomorrow.

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 2020-11-03 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: NY

Complaint narrative:
I notified Experian that I am a victim of identity theft, I am now responding to Experian 's response. I XXXX XXXX did send this request to the CFPB and Experian. this complaint is made directly from myself. attached again i have submitted my XXXX  report and a copy of my social security card and 605B for your review. 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 2020-11-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My identity has been stolen and someone has applied for credit to : US SM BUS ADMIN ODA I have contacted them and they notified me to contact Experian to remove the application from my account

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