vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX was ordered by the court to remove the loans from consumer credit reports due to a class action law suit.

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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX was ordered by the court to remove the loans from consumer credit reports due to a class action law suit.

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 2020-07-01 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: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 60 ) days late on the XXXX XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The property was sold in XXXX, 2019 and the lates that are still reporting are XXXX and XXXX, 2019. This account was closed well within the grace period allowed and consequently, the lates that are reporting are in error. These lates need to be removed from this account. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these 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 2020-07-01 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: FL

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 60 ) days late on the XXXX XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The property was sold in XXXX, XX/XX/2019and the lates that are still reporting are XXXX and XXXX, XX/XX/2019. This account was closed well within the grace period allowed and consequently, the lates that are reporting are in error. These lates need to be removed from this account. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these 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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander was ordered by the court to remove the loans from consumer credit reports due to a class action law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown 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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEM TRY TO COLLECT {$340.00} DOLLARS. ORIGINAL CREDITOR 11 XXXX XXXX XXXX AND THIS ACCOUNT IT'S TOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I withdrew {$5000.00} in cash from CitiBank 's XXXX XXXX branch. The teller had the cash counted by machine and put in a cash envelope. I did not open the envelope until XX/XX/XXXX. No one but me and my wife knew of the cash existence and location. When my wife and I opened the envelope XX/XX/XXXX there were fifty {$20.00} bills instead of fifty {$100.00} bills. I had been shorted {$4000.00}. I called Citi on XX/XX/XXXX and they indicated that they would investigate. I have other details in my affidavit sent to CitiBank 's investigative unit. This affidavit was faxed on XXXX and mailed that same day with an expected delivery date of XXXX. The {$4000.00} cash was credited back on XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX at the XXXX XXXX bank saying she had great news for me. I called back but could only leave a voicemail. On XX/XX/XXXX I received a secure communication from Citi saying, " Your inquiry, R- # has been resolved. Please check your " New Documents '' in 24-48 hours for resolution details and related correspondence. '' I did not receive any " New Document ''. That same say, without notice, {$4000.00} was removed from my account and I only discovered that today upon reviewing transactions at the end of the month. There has been inadequate internal investigation.

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 2020-07-01 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I have a loan with Chrysler Capital. My ex wife had filed Bankruptcy and the bankruptcy was final on XXXX of XXXX. I was not aware of the decision that XXXX XXXX had made with the act. I understand the fact about bankruptcy privacy law and do to the fact that ex wife was a co applicant. After that my wife and I were having difficulties with our marriage split up and divorce. Now I requested XXXX XXXX to explain to me what was goin on with my act. All I got was the run around. Finally i call on XXXX the XXXX XXXX and spoke with a young XXXX female and she explained to me that. They decided to forgive us for the bankruptcy. Since XXXX of XXXX i continued making regular payments to the vehicle. The young lady stated that they were not going to release the title till they get the full payment of XXXX. I asked her what i needed to do to get them to continue bssns she stated that i needed to refinance the vehicle with another finance company. I asked her what about the pmnts i made for a full year? She stated that it was voluntary ... I asked voluntary? All thia time i was making pmnts thinking everything was ok. Then i called the Credit bureau and asked for all three reports. Since i have brought this truck last year not once have Chrysler Capital reported my payments before the bankruptcy. I feel i have been discriminated against and filing a compliant on this matter. This is my first vehicle and last do to the experience that Chrysler Capital made me feel discouraged. Now I am asking for all my full pmnts that was made to Chrysler Financial plus the title to the vehicle. I will give them some time to review this complaint. Mean while if they do not meet my demands this matter will be taken on a civil action. Thank you for your time God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible

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 2020-07-01 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible

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 2020-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Submitted a complaint on one debt collector and they switched debt collectors. Now calling from XXXX XXXX. The debt is not mine. Have never had a debt with BOA. I have never acknowledged this debt.

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 2020-07-01 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown 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 2020-07-01 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I have water damage in my home XXXX I called XXXX they put my family and I up in a hotel, I was in the beginning of the COIVID 19. 
XXXX send a check to have my kitchen and wash area redone we have no running water.. everyone in my household was out of work. 
XXXX send a check out immediately. The check was endorsed with my name and shell point mortgage name. I reached out to shell point mortgage, they informed me to endorsed the check and send it to them. This was back on for XX/XX/2020. Since this incident I been going back and forth with Shellpoint Mortgage, still no check ... we had to pay out of pocket to get our home fixed,, we sent numerous pictures regarding this still no funds.. XXXX did their part they was extremely wonderful and very helpful dont want this world crisis ( COVID-19 ) .. today is XX/XX/2020. Still waiting on shell point to send a check that XXXX already provided.. Shell XXXX is a horrible company they dont take pride in their customers very rude and not easy to work with. I get the E for services if you can help me with this matter I greatly appreciate it XXXX XXXX XXXX XXXX XXXX I completed the work in my home ourselves

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLESE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME. XXXX XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: GA

Complaint narrative:
I had an account on my credit report by the name of XXXX XXXX XXXX. That account was bought out by XXXX XXXX XXXX. XXXX sent me a letter saying they have closed the file and terminated collection action which means the entire account should have been removed from my credit report. XXXX no longer shows on my report, but XXXX still appears. If XXXX bought the account and removed it, the entire account should have been removed. Also, they will not send me proof of my signature on the account or any type of verifiable proof like I requested from them in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$270.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with XXXX XXXX. This account needs to be removed from my credit report. This false reporting of a collection/chargeoff account, that does not belong to me, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$270.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with XXXX XXXX. This account needs to be removed from my credit report. This false reporting of a collection/chargeoff account, that does not belong to me, is seriously harming my credit score. I have contacted the bureaus 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 2020-07-01 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:
XXXX ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$270.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with XXXX XXXX. This account needs to be removed from my credit report. This false reporting of a collection/chargeoff account, that does not belong to me, is seriously harming my credit score. I have contacted the bureaus 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 non-monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
{$630.00} open balance. Original Creditor XXXX XXXX. I C SYSTEM LAST REPORTED XXXX XX/XX/2020. i NEVER OPEN THIS ACCOUNT ITS NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In a previous complaint I sent on XX/XX/XXXX I stated the following to EXPERIAN, " EXPERIAN IS IN VIOLATION OF THE FOLLOWING SECTIONS OF 15 USC 1681, I HAVE PROOF IN THE ATTACHED EXHIBITS. 
-15 USC 1681b ( 2 ) -15 USC 1681 ( b ) -15 USC 1681e ( b ) -15 USC 1681a ( 4 ) '' EXPERIAN response from their AUTOMATED system as I was told by an agent via phone automatically classified my complaint as not being made nor authorized by myself. 

How can an automated system determine who someone is or is not? Why are there no trained professionals handling these cases? As a victim of Identity theft who has submitted all of the proper documentation as dictated by FTC in relation to identity theft, I find it both disturbing and frustrating that no one in this department is taking my case seriously. I have been passed off by several different agents when I call, one agent even going as far to lie about what was submitted and when, with every other agent after stating they couldn't even see it yet. I am tired of EXPERIAN 's lack of professionalism, especially when handling serious matters such as these. This company assumes that we as federally protected consumers do not know our rights however, I DO! 

I know exactly what each of those sections state and exactly how EXPERIAN has VIOLATED my rights pertaining to each section that I listed. Please do not attempt to say this is not me again when I am sending you NOTARIZED Affidavits and my personal identification that verifies who I am. Also to note you have violated the FCRA again through your prolonging of this affair. 

- 15 USC 1681c-2 ( a ) It is passed the allowed time for you to remove and block the information I included on my Identity theft report that you received Via Mail AND this online portal! I have proof in Exhibit C. 

I DEMAND THAT YOU FOLLOW THE LAW EXPERIAN and teach your staff to do the same because everyone of your agents I have spoken to has NO CLUE what that section is and they are on your FRAUD department staff. How can they not know the basic rules when regarding what their department is designed to do?! 

You are Damaging my reputation and causing me tremendous emotional distress including financial harm preventing me from getting assistance I need due to your reporting of Inaccurate, fraudulent information.

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 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am still being affected by the covid 19, and the company wont help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation