vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-04 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: TN

Complaint narrative:
credit open in my name

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 2020-01-04 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: NV

Complaint narrative:
There are accounts and a Bankruptcy on my credit report that aren't mine. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 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: NV

Complaint narrative:
There are accounts and a Bankruptcy on my credit report that aren't mine. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 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: NV

Complaint narrative:
There are accounts listed and a bankruptcy on my credit report that aren't mine.

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 2020-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CO

Complaint narrative:
I was sent an offer for a XXXX XXXX Mastercard. It is offered at 35.99 % interest, an intro fee of {$95.00} you have to pay before the account will even open, an annual fee of {$75.00} for the first year ( and only a {$300.00} credit line ) and {$120.00} in annual charges every year after that. This is an absolutely criminal amount of fees for a card trying to help someone establish credit. There would be {$2.00} in interest on the first bill just from the 35.99 % of {$75.00} in fees. You havent even bought anything, but youve paid {$95.00} in a program fee, {$75.00} in annual fee, and {$2.00} in interest. This would not help anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: VA

Complaint narrative:
Since my identity has been compromised years and months ago, i discovered accounts reporting on my credit file inwhich i have absolutely any knowledge of and if you can not provide me with any physical documentation then I'm I'm demanding that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1700.00} 2 ) 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 2020-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX REQUEST : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Around two years ago Wal Mart was promoting their credit card owned by Synchrony Bank. I was to get {$25.00} worth of free groceries from Wal Mart for signing up for their Wal Mart credit card. I think it was Master Card. I bought {$23.00} worth of free food that day. They billed me {$23.00} for my free groceries. I challenged the bill and was told that it was for {$25.00} of free food so I had to pay for the {$23.00} charge. I was told I needed to get {$25.00} worth of free food at one time and not go back for the remaining amount. Nobody told me I must purchase the entire amount at one time. My challenge lasted several months and they wanted interest on the {$23.00}. This lasted a few more months and they dropped the interest and I paid the {$23.00}. 

Either Wal Mart or Synchrony Bank notified the three credit companies that this matter took over 120 days. The young man I talked with did mention that I did pay off the amount they billed and I was told that it wouldnt impact my credit score which was around 700 something, and it wouldnt be put on my credit record because I paid the bill. I talked with him several people over a couple of months. Then the problem was put on my credit record as paid with over 120 days. Somebody lied to me. My credit score is around XXXX. 

Wal Mart does not use Synchrony Bank any more. I can not get through the endless voicemails at Synchrony Bank. I discontinued their credit card immediately.

Wal Mart does not know where to send me. 
There is no way I can resolve this matter.

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 2020-01-04 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:
Since my identity has been compromised years and months ago, i discovered accounts reporting on my credit file inwhich i have absolutely any knowledge of and if you can not provide me with any physical documentation then I'm I'm demanding that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: VA

Complaint narrative:
Since my identity has been compromised years and months ago, i discovered accounts reporting on my credit file inwhich i have absolutely any knowledge of and if you can not provide me with any physical documentation then I'm I'm demanding that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1700.00} 2 ) 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 2020-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
Credit Management Co. has placed an illegal erroneous account in the amount of {$410.00} on my credit reports. It is not mine and this company is causing me immense complications and frustrations because of it. I am seeking to have it removed fro my XXXX, XXXX, and XXXX credit reports immediately. I have never had any business, ordered service, or had correspondence ( to or from ) with this company, nor the company they say they represent ( XXXX XXXX ). All my attempts to validate this debt has went without response by Credit Management Co.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: SC

Complaint narrative:
XXXX  Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MN

Complaint narrative:
Roundpoint mortgage company requires that its customers complete a insurance claim packet including legally binding affidavits in order to release insurance claim funds. I have submitted an insurance claim disbursement check to the company and I am awaiting the return of the check or disbursement of the funds. Roundpoint insists that they can not release the check without a signed affidavit, but this is not a requirement of the mortgage note they agreed to service - a standard Minnesota mortgage note via XXXX XXXX. I have contacted both customer service and the consumer ombudsman at Roundpoint and they have not been willing to discuss the issue or reconsider the affidavit. Since I do not have a choice in who services my mortgage, Roundpoint is effectively forcing me to enter into a legal agreement with them since I can not afford to repair my home without the insurance claim funds. This is not acceptable and I expect Roundpoint to release the funds without a signed affidavit.

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 2020-01-04 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: NV

Complaint narrative:
There are a few accounts on my credit report that arent mine. Please have them removed.

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 2020-01-04 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: NV

Complaint narrative:
There are a few accounts on my credit report that arent mine. Please have them removed.

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 2020-01-04 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: NV

Complaint narrative:
There are a few accounts on my credit report that arent mine. Please have them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 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: NV

Complaint narrative:
This account does not belong to me. Please remove it.

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 2020-01-04 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: NV

Complaint narrative:
This account does not belong to me. Please remove it.

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 2020-01-04 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: NV

Complaint narrative:
This account does not belong to me. Please remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 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: IL

Complaint narrative:
I had pulled a copy of my credit report and noticed there was incorrect information on my report there are two hard inquiries that I never gave permission to run my credit I contacted the company and asked them to remove them if they did not have permissible purpose they stated that they had no information on file giving them permission to run it a third-party ran my credit using their system they told me I had to go through the credit bureaus to get it removed the credit bureaus told me I have to go through the company that appears on my credit report when I contacted them they continue to tell me they can not do anything about it

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 2020-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
By XX/XX/2018 I begun to receive calls from Comenity Bank / Victoria Secret Stores about an account that I haven't paid for many months. I decided to call back and told them that I don't recognize this account, they pushed me that I have paid. I told them many times that I never opened any account like this. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I've been in a communication tag with Bank of America for over 4 months. In XXXX, I was the victim of identity fraud, I called BOA immediately. The person on the phone assured me I had nothing to worry about and that nothing would report to the credit agency while I fixed my payment accounts. 

In a response from Bank of America to my complaint, they sent me someone else 's account information as a reply! This is extremely negligent and a slap in the face because I was just a victim of identity fraud. I've attached the letter here.

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 2020-01-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I've been in a communication tag with XXXX XXXX XXXX for over 4 months. In XXXX, I was the victim of identity fraud, I called XXXX immediately. The person on the phone assured me I had nothing to worry about and that nothing would report to the credit agency while I fixed my payment accounts. 

In a response from XXXX XXXX XXXX to my complaint, they sent me someone else 's account information as a reply! This is extremely negligent and a slap in the face because I was just a victim of identity fraud. I've attached the letter here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A creditor attempted to pull my credit report but was to do so because there a block on my cr edit report placed by Equifax. Additionally, I was unable to pull my credit report through the Equifax Complete Premier Plan to which I subscribe and pay a monthly fee. This is an ongoing problem for me with Equifax . This issue is known to them as I see several.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
Hi, I see on my XXXX  credit report an unknown credit inquiry without my approval by a company called Curo XXXX XXXX XXXX also known as speedy cash with the address listed as : XXXX XXXX XXXX XXXX XXXX KS XXXX. 

This inquiry on my XXXX account appears on XXXX XX/XX/2019. I need this to be wiped out from my credit report as Id not authorized for such an inquiry and at the same time necessary fines should be levied on this organization to avoid exploiting and misusing public data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I was looking on my XXXX XXXX report and saw two collections account from the same company LVNV FUNDING LLC for 12 XXXX XXXX XXXX XXXX for the amount of {$710.00} and {$610.00} on XX/XX/XXXX XXXX I would like these charges to be deleted off my report because I am unfamiliar with these companies thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: MA

Complaint narrative:
Good Evening, I had asked that I need to see all paperwork and contracts, disclosure with my signature that would verify ownership. And I specifically outlined that just automated statements don't validate the debts under the provisions of FDCPA of request to validate the account to its entirety. If they can not provide documents required, and all the paperwork, they must remove the account immediately. They keep sending me random information that doesn't fully verify the account and I came across several cases where plaintiffs won the same cases from this company Midland for  failing to provide all the documents. Look at the attachment specifically to the case of State of Texas vs. Midland Funding LLC. And the same thing has happened to me. I need help resolving this and remove from my account for failing to fulfill all the requirements. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection  activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: MT

Complaint narrative:
I purchased a house in XXXX, my first payment was due XX/XX/XXXX i made my payment on time to the bank that initially started my loan. I did not receive a notice of transfer and began receiving calls from XXXX XXXX about a missed payment. I called XXXX XXXX to find out what happened and learned that my loan had been sold in bulk. On XX/XX/XXXX the money was removed from my account, according to XXXX XXXX the money was forwarded to ARC home loans and recieved by them on XX/XX/XXXX. 
I have attempted multiple times to get in contact with ARC and each time was forwarded to XXXX XXXX. I did finaly get in contact with a loan officer from ARC and he said he would look into the matter, i have not heard from him since. I spoke with a manager from XXXX about the matter but lost phone connection when he attempted to do a 3 way call with ARC. 
At this point 2 months have gone by since i made that payment and ARC has still not registered it as recieved. However the money was removed from my account and i have been on time with all of my payments.

Company response to consumer: Closed with non-monetary relief