vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 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: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-08 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 writing to SYNCB/AMAZON XXXX because I am having difficulties with applying for new credit cards. I paid the account and do not owe anything, but the late payment on XXXX. 2016 in XXXX, XXXX and XXXX reports prevents me from achieving the desired results. I am kindly requesting SYNCB/AMAZON XXXX  to remove this late payment from my credit reports as a gesture of goodwill.

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 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This company XXXX XXXX XXXX XXXX  {$190.00} XXXX XXXX Recently reported on XX/XX/XXXX and was placed on my credit again IC System {$190.00} XXXX XXXX I disputed it XX/XX/XXXX 1 year ago then the Information was updated and I seen the changes on my report it was removed. I have no knowledge of this account I want it to be removed permanently. Fraudulent

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 2020-12-08 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: CA

Complaint narrative:
1. In 1 year I have filed online with TransUnion approx 5 different OnLine Disputes. 
2. Today I received my Paper TransUnion Credit Report and credit cards XXXX XXXX and XXXX still have the Incorrect Charge Card Numbers. I lost my Wallet over a year ago and was re-issued the 2 above credit cards with new account numbers. 
3. When I called TransUnion and stated I have completed 5 online Disputes about this issue and Nothing is done. They told me to Contact XXXX and XXXX XXXX and have THEM call TransUnion. 
4. I asked isn't this what the DISPUTE is for - Shouldn't TransUnion be doing the investigation on this issue? She didn't say anything except to call the Stores! I called XXXX - they had NO IDEA WHAT TransUnion was! 
5. Need someone to FIX the 2 old credit card # 's to the New # 's matching the charge cards I now have on my TRASNUNION 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 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: MS

Complaint narrative:
They started around the first of XXXX. They call saying they are from Discover Card and want to offer a savings rate for paying debts. I have told them I am already on a payment plan with Discover Card. I also tell them not to call again or add me to their do not call list. They continue to call several times a day. When I try to repeat that I am already on a payment plan and not to call again they hang up. They also try calling under another number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity

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 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a fraudulent account to XXXX credit bureau. After numerous attempts to have the account removed from XXXX, I've been forced to file a complaint with CFPB. I've sent a copy of my police report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove that the account is fraudulent. I'm a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was a victim of fraud. my account and card was hacked. I reported the claims but my fraudulent transactions disputes claim was denied. They said they investigated XX/XX/XXXX XXXX XXXX*XXXX  XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Total of {$1200.00}

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 2020-12-08 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: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-08 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: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to have a security freeze lifted almost 3 weeks ago. The system told me they could not verify my identity even though I answered the correct answers. I spoke to a representative on XX/XX/XXXX who said my social security number didnt match my name. Which is XXXX! She said I had to mail my ID verification by mail. I called back XX/XX/XXXX she told me nothing again and that I had to mail my information AFTER I already told her I mailed it. They will not tell me what the XXXX is the problem. She said she will create a ticket. XX/XX/XXXX still no resolution. I called back & told the same XXXX thing. He said a social security number can only have 1 name to it. I told him my number DOES have ONE name .. I changed. my last name FIVE yrs ago due to my children are grown & I was divorced 28 yrs ago but I have not had any problems in that FIVE years with that and millions of people change their last name .. They are XXXX with me and my report and this is XXXX.. I see that my car loan is showing to my social but yet I cant get anyone to provide ME Access to my account ... I cant create an online account to view it because they have locked me out of my own XXXX information and NO ONE will help me. This is not the 1950 where it takes 2 months for this to clear up. They are suppose to be able to send me a verification code to my phone email SOMETHING!! You can not lock someone out of their own XXXX and offer NO HELP!! This is week THREE!! This is with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have made several attempts recently to have the balance updated to {$0.00} on a closed account with this company. The account was sold to a collection agency and yet this company is still reporting a balance owed. According to fair credit reporting practices, an account sold or transferred to a collection agency should not continue to report a balance owed. The fact that they are still reporting that I owe a balance is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management sent letters to wrong address so I was unaware they were contacting me. I sent them a debt validation letter on XX/XX/20 I forgot to send it certified. I sent a certified letter on XX/XX/20. It has been 30 days and I haven't received validation of the debt. I received a letter last week that demanded I contact them by XX/XX/20 and demanding payment or they are going to take legal action against me. I have already contacted them with the 2 validation letters and they have not sent me any proof that the debt is mine or that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
I review a current copy of my credit report and show inaccurate information listed on my report. creditor XXXX is showing a charge off account with conflicting last payment dates on my credit report throughout credit bureaus. I requested to have account verified and I have not received any information back per my dispute. I am now being directly violated and have issues with credit reporting and I'm in distress. Listed below is creditor information and inaccurate last payment dates Creditor : XXXX Account number : XXXX Last payment dates listed between credit bureaus : XX/XX/2018, XX/XX/2018, XX/XX/2018. I have requested verification and have not received any dispute results.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have fraudulent address reporting on my credit report 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  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 2020-12-08 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
On XX/XX/2020, Caine & Weiner Company , Inc. add a derogatory marks on my credit reports per XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Collection company have to provide me with competent evidence that I have any legal obligation to pay them.The company have to provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report per XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITIZENS ONE AUTO F, on XX/XX/2020, XXXX  XXXX  and XXXX XXXX XX/XX/XXXXS add a hard inquiry. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
I review a current copy of my credit report and I show inaccurate information listed on my credit report. I sent dispute to request verification of account and have not received and dispute updates per FCRA. this creditor XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) is showing as a charge off on my credit report and reporting a balance due in the amount of {$480.00}. Per the FRCA and FDCPA no charged off account can list an amount in balance on any credit report. It must show a balance of {$0.00}. below is the creditor information. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance showing : {$480.00} which is inaccurate credit reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
I review a current copy of my credit report and I show inaccurate information listed on my credit report. I sent dispute to request verification of account and have not received and dispute updates per FCRA. this creditor XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) is showing as a charge off on my credit report and reporting a balance due in the amount of {$480.00}. Per the FRCA and FDCPA no charged off account can list an amount in balance on any credit report. It must show a balance of {$0.00}. below is the creditor information. 

Creditor : XXXX XXXX ( Original Creditor : 08 XXXX  XXXX ) Account number : XXXX Balance showing : {$480.00} which is inaccurate credit reporting 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 2020-12-08 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: PA

Complaint narrative:
I sent in a dispute XX/XX/2020, and on XX/XX/2020 I sent a letter requesting a response being that it has been over 30 days without them communicating back to me. I called Equifax XX/XX/2020 asking them where was I in my dispute process and the Equifax representative told me they just started the dispute XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: U.S. BANCORP
State: CA

Complaint narrative:
I have made several attempts recently to have the balance updated to {$0.00} on a closed account with this company. The account was sold to a collection agency and yet this company is still reporting a balance owed. According to fair credit reporting practices, an account sold or transferred to a collection agency should not continue to report a balance owed. The fact that they are still reporting that I owe a balance is a direct violation of my rights under the FCRA.

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 2020-12-08 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: FL

Complaint narrative:
Need the unverifiable information reinvestigated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
I review a current copy of my credit report and show inaccurate information listed on my report. creditor XXXX/XXXX is showing a charge off account with conflicting last payment dates on my credit report throughout credit bureaus. I requested to have account verified and I have not received any information back per my dispute. I am now being directly violated and have issues with credit reporting and I'm in distress. Listed below is creditor information and inaccurate last payment dates Creditor : XXXX Account number : XXXX Last payment dates listed between credit bureaus : XX/XX/2018, XX/XX/2018, XX/XX/2018. I have requested verification and have not received any dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
I review a current copy of my credit report and show inaccurate information listed on my report. creditor XXXX/XXXX is showing a charge off account with conflicting last payment dates on my credit report throughout credit bureaus. I requested to have account verified and I have not received any information back per my dispute. I am now being directly violated and have issues with credit reporting and I'm in distress. Listed below is creditor information and inaccurate last payment dates Creditor : XXXX Account number : XXXX Last payment dates listed between credit bureaus : XX/XX/2018, XX/XX/2018, XX/XX/2018. I have requested verification and have not received any dispute results.

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 2020-12-08 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: NJ

Complaint narrative:
I review a current copy of my credit report and I show inaccurate information listed on my credit report. I sent dispute to request verification of account and have not received and dispute updates per FCRA. this creditor XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) is showing as a charge off on my credit report and reporting a balance due in the amount of {$480.00}. Per the FRCA and FDCPA no charged off account can list an amount in balance on any credit report. It must show a balance of {$0.00}. below is the creditor information. 

Creditor : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance showing : {$480.00} which is inaccurate credit reporting 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