vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It is very difficult to get to a live person at the three credit bureaus, XXXX, XXXX  and Transunion. Sometimes there is a question that can not be answered using the automated answering system or FAQs. Senior Citizens, especially, have extreme difficulty using the automated phone systems and using online websites. They often just want someone to talk to. There needs to be a straight forward way to achieve this.

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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It is very difficult to get to a live person at the three credit bureaus, XXXX, Equifax and XXXX. Sometimes there is a question that can not be answered using the automated answering system or FAQs. Senior Citizens, especially, have extreme difficulty using the automated phone systems and using online websites. They often just want someone to talk to. There needs to be a straight forward way to achieve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX20 I sent a letter to DEBT RECOVERY SOLUTIONS about two accounts that were showing on my credit report that I did not recognize. 

Both accounts have a date opened of XX/XX/XXXX2020 one with a charge of {$690.00} and the other being a charge of {$1000.00}. Since then I have not gotten a response and also sent a follow up letter to them on XX/XX/XXXX20 and still have gotten no response in regard to what this is or what it is for. 

I also reached out to XXXX  about this debt on XX/XX/XXXX20 and a follow up on XX/XX/XXXX20 and they have also not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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:
EQUIFAX has my credit history mixed with my sister 's, who has a similar name and social security number. Despite numerous attempts speaking to them via phone calls since XXXX 2020, it has not been fixed. I have faxed over my identity proof and proof of established credit as per their request and they claimed that they never received the faxed documents. I have sent certified mails of the same documents and received back a generic letter that EQUIFAX could not locate my identity - even though I have included the requested documents to specifically establish and prove my identity and credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act XXXX FCRA XXXX. Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute 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 As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a TD Beyond Checking Account under a {$300.00} bonus promotion on XX/XX/XXXX. The terms state that if I make {$2500.00} direct deposit within 60 days of opening, I would receive {$300.00} within 140 days. However, this amount has not been paid out. 

I called TD Bank to inquire. They told me I'm no longer eligible due to having received a bonus on a prior, closed account. However, the terms of the bonus states that it's not eligible to customers who " do not have an existing or prior personal checking account at TD Bank within the preceding 12 months. '' My previous account was closed in XXXX, XXXX, more than 12 months since I opened this account. Therefore, I satisfy the terms of the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-01-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2020 I wrote dispute letters to Experian, XXXX  and XXXX disputing the inaccurate information reporting to my Credit Report. I was a Victim of Identity Theft and sent in the police report along with my dispute letters expressing my concerns and asking for the information to be removed. It has now been 30 days and these negative items are still being reporting to my Credit File.

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 2021-01-08 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: MD

Complaint narrative:
I received XXXX XXXX Services from a company in XX/XX/2016 while being covered by XXXX & Maryland XXXX. For some reason, 3 years after the services have been rendered, my Transunion credit report has been reporting that this creditor has reported that I owe a balance of {$690.00} due to non-payment. In an effort to resolve this issue, I have contacted both the creditor and Transunion, while submitting copies of my insurance cards in order to support that I am not delinquent. To no avail, this creditor and Transunion continue to report this delinquency

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 2021-01-08 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: FL

Complaint narrative:
I was so stress it's almost 60 days now since I've sent my dispute for those unknown and inaccurate account on my credit report but I haven't received any response. I demand to REMOVE immediately those accounts or I will file a litigation.

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 2021-01-08 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Remove the fraud account or I will push the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My rights to information has been violated. I had no knowledge of the assignment of Mortgage dated XX/XX/14 by the U.S. Department OF Housing and Urban Development. Mortgagee Letter XXXX and letter dated XXXX XXXX nor did I sign consent that needed the borrower to sign form. Also the Modification loan Agreement dated XXXX XXXX that loan is connected with the XX/XX/2014 Assignment of Mortgage documents. Also the XXXX XXXX loan Modification Agreement XX/XX/14 which is a conventional mortgage loan, I did not signed consent to a XXXX  XXXX  mortgage loan or any other conventional mortgage loan. Both are improper and misleading and misrepresented. See Exhibits A B and C

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
BMW has made an inquiry on my report which I did not authorize. I have tried to contact BMW with the address they have provided XXXX and the address is wrong. I have sent many correspondence to XXXX and BMW and BMW has not replied to any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-01-08 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Remove the fraud account or I will push the complaint.

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 2021-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a US Bank Reliacard that I did not request. Document states it is for payment of unemployment benefits which I did not apply for and do not want. I am retired and not entitled to any unemployment. I have made several phone calls to the numbers provided but was on hold for an hour or more. Then when I did finally get to talk to a real person and told her what I wanted to do, she said she'd transfer me to the fraud department and after another 20 minutes on hold I was disconnected. There were 2 other numbers, one for activation which I did not call and the other phone number provided was not in service.

The paperwork that came with the card said if I did not request it, to submit the attached form, but the form did not include an option to submit. I opened the address they provided for submission, XXXX but it was not an email address and had no further option to send the form.

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 2021-01-08 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: FL

Complaint narrative:
All of Accounts on are Due to Fraud.

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 2021-01-08 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: NFM, INC
State: TX

Complaint narrative:
XXXX  XXXX XXXX made an inquiry from XXXX  on XX/XX/2019 that I did not authorize. I, and XXXX, have sent many notices to XXXX  XXXX XXXX and they have failed to respond to us both within 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: UT

Complaint narrative:
XXXX, Equifax and XXXX  have not responded to any of my disputes! I have been sending out disputes for over 6 months now and have yet to receive a single letter from the bureaus or any results! I understand that with the pandemic there is a delay but it can't possibly be over a 6 month delay. Lawfully they are required to respond to me within 30 days. There are inaccurate items on my credit that need to be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: AR

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CHXXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX 3. Chapter XXXX Bankruptcy-Discharged.. THIS ITEM DOES NOT BELONG TO ME! 
Reference # 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 2021-01-08 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: AR

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX 3. Chapter  XXXX Bankruptcy-Discharged.. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I pay all my Bills with XXXX Bill Pay on a monthly basis ; I was not behind or late on any payments. I send a designated amount each month, over, the minimum payment and I check the accounts each month. 

My Account was 30 % below my Credit Limit. 

Synchrony Bank / Pep Boys closed my account down after they initiated a Not Authorized Credit Check on me and of my Account. I was still paying on about XXXX XXXX ( {$300.00} ) dollars of charges. 

Periodically, I use my Pep Boys account to purchase sets of tires or other high cost automotive services. 

Although they Initiated an Unauthorized Credit Check of my account, my account was active and current ; but, they closed it Although, they closed the account, I still continued to pay the monthly payments to pay the account off. 

I have my XXXX Bill Payment records to prove it. 

They show it as a charge off ; this is false, I was paying consistently and on time. 

I have been cleaning up my Credit Report and paying down all of my debt. When Synchrony Bank closed my account ; it resulted in a NEGATIVE Impact on my Credit. I was current with no late payments. 

I filed a complaint with the Pep Boys, Synchrony Bank and the Credit Bureau ; nothing was ever done by the two companies. 

They ignored my complaint of closing the account and NEGATIVELY IMPACTING my Credit Report with the Credit Agencies. 

This is not fair or morally right. 

They are ruining my established credit, by canceling my long term account, they are showing a charge off, or a pay off, and withdrawing my established Credit Limit of {$1200.00} - which immediately impacts my credit score, by reducing {$1200.00} in available credit.

This results in showing a higher debt to credit ratio, than the reduced Debt to Credit Ratio that I had established. 

The final result, is a bad credit score and no way to repair the credit report. Then all of the companies, are allowed to charge 'higher interest rates ', for any credit awarded, for any new accounts. 

This is a vicious, subtle process, the credit bureaus intentionally ; don't respond or respond saying they can't do anything to help. 

The train is driven by all of the UNAUTHORIZED or RANDOM CREDIT CHECKS the Companies randomly pull on CONSUMERS - WITHOUT - CONSUMERS KNOWLEDGE.

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 2021-01-08 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:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove the fraud account ASAP!

Company response to consumer: Closed with explanation