vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$340.00}

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 non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
ive been trying to buy the car for the last couple months. Nobody has called me back. XXXX from Chase auto finance called me never give me a direct number never call me for an update. I wan na buy the car if its not through Chase I will go through a credit union for my job. But nobody has communicated with me at all. I want to buy the car. Theyre not communicating with me at all they called me and nothing in response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only XXXX ( XXXX ) but this information has been left on the back end reporting for a company called ( XXXX XXXX XXXX ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.

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 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX, I learned that my mortgage had fallen out of approval. 

I looked at my credit report on XXXX  to see if there were any issues I could resolve, and found that Southwest Credit Systems was attempting to collect a debt from me in the amount of roughly {$2400.00} from an original creditor " XXXX XXXX '' I called their helpline, and was referred to fill out an affidavit to claim the fraud, which I have filled out, and emailed to them, and attached here. I will not be available to file the required police report until I have returned from the trip I am taking to visit the property for which the loan is out of approval and inspect ongoing work. 

According to the representative on the phone, the account was opened in XX/XX/XXXX, and closed just 2 months later in XX/XX/XXXX. I know from prior experience that the " bill '' that was ran up consists of nothing more than brand new 3 smartphones being purchased under one name. I have included these details in the attached affidavit. 

The reason I am filing this complaint today is because I have already successfully disputed this EXACT account under a different debt collector using the services of XXXX XXXX 

As I am no longer paying their $ XXXX subscription, I am unable to provide the documentation in the customer portal. 

I find it particularly egregious that companies are allowed to commit double, or even triple jeopardy with accounts that have already been discredited with a complete lack of oversight. 

I have also attached a selection of reviews from their XXXX business profile indicating that these dirty tactics are regular business practice for Southwest Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NY

Complaint narrative:
I've mailed in a dispute to update my personal information. I requested to have wrong names, addresses and phone numbers removed. My name has been updated along with the removed phone number and my CURRENT ADDRESS. The inaccurate addresses still remain on my profile after Ive requested for them to be 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 2022-07-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've mailed in a dispute to update my personal information. I requested to have wrong names, addresses and phone numbers removed. My name has been updated along with the removed phone number and my CURRENT ADDRESS. The inaccurate addresses still remain on my profile after Ive requested for them to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-25 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: MD

Complaint narrative:
My credit was affected tremendously because of identity theft. Someone opened XXXX money market accounts with XXXX by using my SSN. The same person filed for unemployment and almost made me lose my job. I contacted the IRS and still have yet to receive any information about fixing my credit. Because of those fraud errors, it has affected my way of living tremendously. I would love for it to be removed off my report. If someone could help me with that it would be awesome. There has also been credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only one ( Experian ) but this information has been left on the back end reporting for a company called ( Experian Rent Bureau ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.

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 2022-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Was hired by a company which I have all the records had a web page I checked everything was told was on 2 week period fot employment was to buy products send to another company in XXXX. I did they send me packingings slips they paid off 4 of my credit cards to use and there bank account to pay off once they recieved there goods about in 2 weeks they reversed the payments from the bank on my cards and now the cards are coming after me. I have called them many times with no luck it comes to almost XXXX the cards are XXXX, Bank of America, XXXX XXXX and XXXX XXXX I will attached all the paper work below, I have filed a police report FDIC It is ruining my credit because I refuse to pay. Thank you XXXX XXXX This is part of the claim XXXX Bank of America XXXX XXXX XXXX DE 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 2022-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXXXXXX  account XXXXhas mishandled my Consumer Reporting Disputes, which has prevented me the consumers From Exercising Debt Collection Rights. I dont know who this company is and I didnt give consent for my information to be released to XXXX XXXX They need to end this illegal credit reporting and debt collection practice. This debt is holding me hostage from getting a new vehicle for my family and it is effecting the way I am living. I dont believe its fair. Also effective XX/XX/2022 no medical debt should be in a consumer 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 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had received my working check on on XX/XX/XXXX and try to go cash it at the Bank of America XXXX XXXX XXXX in XXXX XXXX. They got a XXXX to approve for me to cash it. When he found out I was XXXX he just said he couldnt cash it. I asked him why and he said the account number is wrong get out. I have XXXX forms of iD and even my XXXX info but he just wasnt hearing what I had to say.

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 2022-07-25 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: AZ

Complaint narrative:
My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied for forbearance in XX/XX/2017 and got approved. Therefore, Navient brought my account current. However, after reviewing my credit report, I noticed that Navient reported late payment to all of the credit agencies. Even thought my account became current in XX/XX/2017, Navient reported 90 and 120 days for XX/XX/2017. ( XXXX comes after XXXX ) When I reviewed my full report from each of the 3 credit agencies, I notice a discrepancy with all the 3 reports. I came to find out that what was reported to XXXX is different than what was reported to XXXX and different from what was reported to XXXX. Here is also a short summery of all accounts reported by Navient : XXXX : 90 days late payments on 6 Navient accounts for XX/XX/2017 XXXX : 120 days late payments on 6 of the 6 Navient accounts for XX/XX/2017 XXXX : 90 days late payments only 5 of Navient accounts for XX/XX/2017 I have wrote letters asking them to retract this errors from my credit report with copies of my credit report showing the errors in report. They refuse to retract the error and provide a generic explanation as to why the refuse my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
My name is XXXX XXXX and the last four of the account number is XXXX with a balance at the time of sale of {$600.00}. 
I was first informed of the PayPal Synchrony called that was opened in my name in XXXX of 2020. I called Synchrony in XXXX of 2020 and informed them that this account was opened without my permission and was the result of ID theft. The rep confirmed that all the information in the system did not match me, including my name. The name on the account is XXXX XXXX XXXX. I do not have a middle name and I can provide a copy of my birth certificate if necessary. The rep told me that she marked the account as fraud and attempted to contact me to the fraud dept but could not. She asked me to call the fraud dept in the future. I tried on more than one occasion but the hold time was too long for me to wait. At the time I was an attorney for a debt buyer/debt collector and did not have time to wait. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Synchrony then sold the account to XXXX ( XXXX XXXX XXXX ) that has not filed suit against in XXXX XXXX SC. I am in contact with XXXX and XXXX and they are working with me to resolve this fraudulent account. 
In the meantime, I have been turned down for a XXXX  credit card because of this fraudulent account. The reason I was declined is because of a past delinquent credit card with Synchrony. I had to have my XXXX XXXX XXXX XXXX open the store card. This is ridiculous. I have filed a fraud affidavit with the FTC and filed an FTC 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 2022-07-25 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: NJ

Complaint narrative:
To Whom It May Concern, There are 2 addresses that are currently listed as mine on the XXXXbureaus reports. They are : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX 
XXXX, SC XXXX These addresses are NOT MINE, nor have they ever been. As a result, credit cards have been opened and those accounts have reported. Also, several inquiries have also been made and are listed as hard inquiries on my Experian report. They are : XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXXXX/XX/22 Because of this error I have had to put a freeze on my credit, which impacts my ability to secure new funding. I have contacted the bureaus and the erroneous accounts have been removed, but the addresses that appear to have caused the error in the first are still reporting, as are the hard inquiries.

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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
On XX/XX/XXXX, I logged in to review and pay my bill and noticed that I had several charges ( unauthorized ) that I had not made ( see below ) : Date Reference Number Purchase Amount 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 I knew the charges were not mine because I was XXXX XXXX XXXX XXXX  XXXX  ) and had not left my house since XX/XX/XXXX. The charges were made XX/XX/XXXX and XXXX. I immediately contacted the XXXX number on the website for assistance and was told to download the fraud affidavit from the website, which I completed and returned for ALL the charges. I have never had excessive charges such as these in any time frame, let alone in 48 hours, especially considering the card limit is {$300.00}. Over {$350.00} of charges were made in 2 days. I have had this card since XXXX and not once has my balance EVER exceeded my limit of {$300.00}. In fact, I regularly pay off my account. 

On XX/XX/XXXX, I received a letter stating that the results of the investigation concluded that since I was in possession of the card at the time of the " alleged fraud '', the charges were deemed to be mine. Really??? I've been a victim to credit/bank  fraud before and never have I been told that because I had the card in my possession, I made the charges. 
I know for a fact that your credit card number can be obtained many ways while you have the card. In fact, I was told by a fraud investigator at XXXX, when I had fraud on my XXXX XXXX, this happens, a lot! 

I am preparing to file a police report with the local police. Additonally, I will be sending letters to XXXX XXXX XXXX ( who owns XXXX XXXX XXXX XXXX I have already sent a letter to XXXX XXXX XXXX ( issuer of the card ) I absolutely REJECT the findings of the fraud investigation that I am liable for the fraudulent charges made XX/XX/XXXX and XXXX, totaling {$350.00}. Additionally, I wish to have all late fees, over limit fees, and any other nonstandard monthly or yearly fees removed from this account and that my account balance be restored back to balance ( less any payments I have made ) it was prior to these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Past Due Balance : {$630.00} Account Name : XXXX  Account Number : XXXX Past Due Balance : {$430.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$99.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$840.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Past Due Balance : {$450.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLINANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief