vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-08 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: CORELOGIC INC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )

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 2019-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Amazon.com has a Store Card, which advertises as follows : " Amazon.com Store Card  by Synchrony Bank 5 % back with an eligible Prime membership 6 equal monthly payments with 0 % interest on purchases {$150.00} or more 12 equal monthly payments with 0 % interest on purchases {$600.00} or more 24 equal monthly payments with 0 % interest on select purchases {$600.00} or more Special Financing options available on purchases of {$150.00} or more No annual fee '' The positive comments about the card given by " consumers '' seem more like being done by employees of Synchrony bank or by relatives of those working for such bank ; such " positive '' comments make no sense. 

Upon an urgent need, anyone would be tempted to apply ; the application goes smoothly, and within 2-3 days you get your credit card. 

However ..., the advertisement as quoted above gets discovered as being DECEPTIVE in  the sense that even if you pay some amount higher than the minimum due, they end up charging you and it is as if you did not pay at all. 

To ease this, {$1100.00} was paid last XX/XX/XXXX ; then, still paying something more than the minimum, like {$20.00} more or even more than this, they will still say you owe {$2000.00} in a few months. If the consumer 's personal bank takes its time processing transactions, and a payment to the " Synchrony '' bank goes through, they are not in any position to call you or send you an urgent e-mail saying that the payment was declined ; you can discover this months later, and after speaking with a customer service representative, they close your account ; it does not matter to them that one shows willingness to pay and that declined payments were discovered very, very late [ without their notice ]. 

We consider this practice DECEPTIVE and do NOT recommend the current Amazon.com Store Card to anyone. We say " current '' because Amazon.com is successful and smart enough to know to hire better financial institutions who can offer a fair deal and with no deceptive advertisements ; for sure Amazon.com will hire another financial institution.

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 monetary relief
Consumer complaint received 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Applied for a Sears Mastercard and inquired about balance transfers, was told by the representative that there was a 0 % interest charge for 1 year on all purchases and balance transfers. Got the card, made a balance transfer and immediately began being charged interest on the transfer. To date, the interest totals more than XXXX and has my account listed as over the limit. When I first notice the charges back in XX/XX/XXXXof this year I called Sears and the rep said they'd reverse the charges, they never did, and I shouldn't see anymore interest charges. My statement 's have high $ interest charges each month. I made XXXX in purchases and got XXXX in interest charges ... .I asked about this and was told it was because of the balance amount which included the balance tranfer. I told Sears to close the account and I was disputin the charges based on false representation by their representative

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 2019-12-08 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: CO

Complaint narrative:
Equifax, is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc.
State: ND

Complaint narrative:
On XX/XX/2019 I received an email alert that there was some activity on my credit report. When I checked the report there was a derogatory account from US Collections West out of XXXX AZ. I never received any paperwork from them until after I contacted them. They stated that it was an account from XXXX  XXXX XXXX XXXX out of XXXX XXXX AZ. I stated to them that was not my account but my Sons account and they need to go after him. 
I also stated to them that I petitioned the XXXX Az courts to take my name off the account. ( I found out that I had a judgement against me when I was checking the courts for another individual. Never received any paperwork stating I was being sued nor did I have a chance to defend myself at that time. ) I petitioned the courts on XX/XX/2019. On XX/XX/2019 Judge XXXX granted my motion and my name was removed off the account. I and XXXX XXXX received notification of the motion and the decision of the courts. 
US Collections asked why I was getting so mad If it wasnt my account prove it.She laughed at me.She thought it was funny. I told her to check with the XXXX Courts and told her not to contact me again. I continue to get phone calls from this company. 
They have put this account on my credit report three times now. They are also charging me interest on this account. 
The first mail contact from them was on XX/XX/2019. On XX/XX/2019 I wrote them a letter and enclosed all the documents from the courts proving that It was not my account. The letter was sent back to me with a sticker return to sender attempted unknown unable to forward. The address was the same PO Box that was on their letter head.It appeared that the letter had been opened because someone had taped the back of it. 
I want this account removed from my credit report and I feel I should receive compensation from them and XXXX XXXX XXXX XXXX for making false statements on my 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 2019-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.

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 2019-12-08 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: CO

Complaint narrative:
Experian is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.

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 2019-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: DE

Complaint narrative:
To whom it may concern : I received my credit report and found that information from ( XXXX ) was reporting inaccurate information on XX/XX/2019, I sent a letter disputing the information to XXXX XXXX, they verified the information as accurate. On XX/XX/2019 I sent another letter disputing the incorrect information with XXXX  allowing 15 days to reinvestigate my dispute, again it was verified as accurate. On, XX/XX/2019, XXXX, XX/XX/2019 I sent a letter to the collection agency ( ERC ) to verify proof that I have a contract with them, they sent me a bill, never answering my question and showing no proof. My rights have been violated by the reporting agency and the collection agency, they are damaging my credit history with false and inaccurate information. By refusing to delete this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I get frequent calls from collection agency every day sometimes twice a day every day of the week including sundays. I have answered the call more than once. They state the line is being recorded they ask my name & I verify. Then they ask whats my address. I am not comfortable verifying that because no one says who they are calling for who they work for what is the matter regarding until I verify my address. I have asked to be removed off the call list since a lawsuit has already been placed against me & the calls keep coming. I have blocked numerous numbers from the agency but they find another number to contact me from. This is harassment Ive told them several times I am unemployed & If I did get my hands on money I need it to SURVIVE but the basic needs like food to keep a roof over my head & the agent rudely says well you shouldnt have used the credit card if you couldnt pay us back. The people who are constantly calling when I do answer have no manners are rude and have no sympathy towards people who are struggling. The only peace I get is when I can not afford to pay my {$30.00} phone plan and the calls arent coming in. I just want to stop being harassed. They have already set a civil suit against me for XXXX 2020 why must you still contact me twice a day ( back to back ) for a week straight. As early as XXXX & as late as XXXX to ensure their within the legal tome frame. But these excessive calls have got to be harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08 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: Innovis
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$2000.00}, {$17000.00}, {$7500.00}, {$6900.00}, {$5500.00}, {$8000.00}, {$6500.00}, {$15000.00}, {$10000.00}, {$10000.00}, {$1000.00}, {$8900.00}, {$26000.00}, {$4600.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED  ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 








5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account. 

9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

12. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

13. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

-- PERSONAL ACCOUNT 14. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not 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 explanation
Consumer complaint received 2019-12-08 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$2000.00}, {$17000.00}, {$7500.00}, {$6900.00}, {$5500.00}, {$8000.00}, {$6500.00}, {$15000.00}, {$10000.00}, {$10000.00}, {$1000.00}, {$8900.00}, {$26000.00}, {$4600.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 








5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account. 

9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

12. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

-- PERSONAL ACCOUNT 14. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08 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: VA

Complaint narrative:
ear Sir or Madam : I am concerned about the validity and accuracy of XXXX XXXX recent investigation of the following accounts that are reporting on my credit report : DEPT OF EDUCATION/XXXX  XXXX {$9000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$6700.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$7200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XX/XX/XXXX DEPT OF  EDUCATION/XXXX  XXXX {$6600.00} XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX XXXX {$560.00} XX/XX/XXXX On two separate occasions, I have requested an investigation because I felt these items on my report were not being reported legally. I received a letter stating that their investigation complete. My initial dispute was detailed and directly related to the accounts in question. 

The Department of Education was not able to validate any information after I sent a certified letter to them. XXXX  stated that everything was verified but showed no evidence of this after I asked them to supply the information. These accounts should have been deleted from my account and should not be reporting to the other CRA because proper and legally required validation and verification did not take place. 

I've followed the legal and rightful process to dispute these accounts several times with the bureaus through written and signed requests regarding being a victim of identity theft. The letters were sent through certified letters, with USPS tracking numbers. Each letter was signed and received. 

The sole purpose of this letter is to inform you that I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file.

Company response to consumer: Closed with explanation