vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: FL

Complaint narrative:
This complaint is specifically against Experian. 
On XXXX of XXXX, my husband and I applied to a home equity loan with XXXX XXXX XXXX and were denied. The reason for the denial was stated as the presence of " a deed in lieu of foreclosure dated XX/XX/XXXX ''. ( Copy of XXXX XXXX  email attached ) We understand that all lenders have a minimum of a 4 year waiting period after this type of event, however, the Deed-in-lieu reported refers to transaction with XXXX XXXX dated XX/XX/XXXX, which is over 4 years ago. 

We disputed this information through Experian on XX/XX/XXXX and we discovered that XXXX has not been reporting any information to the credit agencies, so they stated that the error was on the credit agency 's part. They provided us with an official letter certifying the date of the transaction and reported to the agencies ( including Experian ) that this information should be corrected. ( XXXX Letter attached ). 

As a result of our dispute, Experian updated our credit report by moving the derogatory mark " N ''  from XXXX to XXXX XXXX screenshot attached ). This mark still indicates to lenders that this deed-in-lieu happened in XXXX of XXXX. This is INACCURATE accurate information which will prevent us from acquiring any home loan product for another four years! 

When we tried to resolve this issue with Experan they indicated that they can not erase this mark from our report. We have called several times and asked to speak with someone in the Escalation Department to no avail. Their explanation is that this is an update to our report resulting from our dispute ; the problem is that they are NOT CODING IT CORRECTLY. 

We need Experian to correct this information in both my credit report as well as my husband 's ASAP, so that lenders can see that the deed-in-lieu happened in XXXX of XXXX and we can move forward with our loan application. 

Thanks for your 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 explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC
State: GA

Complaint narrative:
This company is taking money from my account without permission. I withdrew the right for them to take anything from my account online in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bancshares, allowed me to open up a business checking account using my LLC 's legally  registered business service address. And allowed funds, {$1.00} cash and {$25000.00} check to be deposited into the account. The account was later frozen along with all the deposited funds. The Bank Compliance dept requested my LLC be listed at another address for the Bank account to be unfrozen. Now the Bank account has been closed, and no communication has been sent or written to me regarding what has happened to my funds. 

Why was I allowed to open up a business checking account using a address later deemed by the Bank to not meet compliance? Why wasn't this addressed at the opening of the Bank account, why was it noticed after I had deposited funds. Huntington has given me the run around is avoiding communication with me. And has not returned my {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$310.00} XXXX  XXXX {$680.00} XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX  XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$270.00} XXXX  XXXX XXXX {$960.00} XXXX  XXXX {$74000.00} XXXX XXXX {$700.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$3000.00} BANKRUPTCY XXXX {$0.00}

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 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I had an unsecured card with XXXX XXXX and during the XXXX XXXX I was displaced out of my home for 120 Days. I spoke to XXXX XXXX and let them know that I wanted to work with them on this debt. I was told that they would work with me and when I called back to make a payment they told me that they couldn't take any payments from me. I've tried to resolve things with them. The credit card limit was XXXX and it been reported on my credit report {$1000.00}! They are lying on all 3 credit bureaus saying it was a {$450.00} credit limit which is completely untrue! I'm a home-bound 100 % XXXX Veteran that shouldn't be taken advantage of during a crisis in which XXXX, N.C flooded during XXXX! I sent them certified mail asking to explain the money they say I owe and i included the letters of responses from them and a collection agency LVNV FUNDING! Basically telling me that they dont have anything to say to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX XXXX Veteran and this is not fair

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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX   XXXX Veteran and this is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX reposed the XXXX  XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX   XXXX Veteran and this is not fair

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 2020-04-07 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-04-07 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
It is astonishing that these collection agencies and creditors will take advantage of Americans at the lowest point for some reason they feel that is the best time To falsely reporting on your credit bureau against consumers for instance portfolio recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put HSBC bank which was bought out by XXXX XXXX but instead they stated that it was a debt with HSBC Card Services that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of XXXX XXXX XXXX HSBC BankXXXX XXXX. 
This debt was Re-aged and XXXX XXXX XXXX did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made XXXX XXXX   could not. 
The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by XXXX XXXX XXXX which is illegal and in clear Violation for the FCRA and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2020-04-07 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Thief opened up a Pay Pal Acct. under Synchrony Bank on XX/XX/XXXX ... using my ss # and address. They did the same to my husband. They got cash advances and also sent strange packages to my house from XXXX XXXX. Around XXXX of XXXX I tracked a vendor in CA who told me it was a PayPal acct. I called Pay Pal, they could not match my ss # with any acct ... I have told PayPal that I would send packages back ... PayPal did not assist me. On XX/XX/XXXX I got a letter in the mail saying a line increase was refused in my behalf on a PayPal acct. Synchrony Bank. I never opened this account. I immediately shut it down. I filed fraud forms with Synchrony Bank put they are refusing them because acct. was open more than one yr.and had verifiable payment history. On XX/XX/XXXX I filed a police report in behalf of myself and my spouse. 
I never received any statements in the mail during this time, the thiefs did everything on-line, they paid the minimum amts to keep acct active. I have very good credit, this is tied to a company I own.

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 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I cancelled my American Express credit card on XX/XX/2020, after paying off a total balance of more than {$6500.00}. After my account was cancelled, I was issued a credit back to my AMEX account for incorrect charges assessed to me by XXXX, leaving a credit balance of {$18.00} on my cancelled account. I reached out to AMEX on XX/XX/2020, and I was told a refund check would be issued and sent to my address at XXXX XXXX  XXXX XXXX, # XXXX, in XXXX XXXX, FL, within 7-10 business days. On XX/XX/2020, I reached out to AMEX because I did not receive the check. I confirmed my address, and was told the old check would be canceled and a new one issued and sent to me within 7-10 business days. As of today, XX/XX/2020, I have not received my refund check. It's now been almost 3 months since AMEX has been holding my credit that they have not issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting a Collection account on my report in the amount of {$1600.00} which was paid in full to the original creditor in XXXX. I have asked them to correct this information on my credit report but they have failed to do so. The request to correct the information was made on XX/XX/XXXX and XX/XX/XXXX Details of the information are : Collection Agency : XXXX XXXX XXXX / Acct # XXXX Date opened : XX/XX/XXXX Original Creditor : XXXX XXXX Status : Collection account {$1600.00} past due as of XX/XX/XXXX 2019

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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I've recently been in constant contact with Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, XXXX, or XXXX  consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Transunion has failed miserably. Transunion in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. 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  # 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 2020-04-07 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-04-07 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: TX

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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