vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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: LA

Complaint narrative:
XXXX XXXX  XXXX XXXX has and is reporting inaccurate information on reports from equifax, XXXX, and XXXX. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX  XXXX XXXX has and is reporting inaccurate information on reports from XXXX, XXXX, and experian. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 bureaus.

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 2020-05-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : 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 2020-05-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : 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 2020-05-04 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: FL

Complaint narrative:
All credit card accounts on my account was opened fraudulently I had no knowledge of the accounts someone is pretending to be me and stole 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 2020-05-04 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: FL

Complaint narrative:
All credit card accounts on my account was opened fraudulently I had no knowledge of the accounts someone is pretending to be me and stole 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 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: PA

Complaint narrative:
I have repeatedly disputed this asking for validation as I have no idea who Enhanced Recovery is or why they are reporting on my credit. They have never sent me anything in regards to this. This is a violation of the FDCPA and FCRA. PLease help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AL

Complaint narrative:
On XX/XX/2020 I spoke with a manager concerning my account and per our conservation there ae some inaccuracies with what they have reported and what is being shown. Please see the attached inaccuracies as opposed to what XXXX  and Transunion are reporting.

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 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I am the middle of a financial transaction ( buying and selling a house ) But 3 days before my closing a collection account was enter to my credit report. But that collection was already paid 3 years ago. 

This information create a chaos, since they are reporting a high balance, XXXX got my money long time before I was even in collection

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 2020-05-04 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Due to Covid 19 I am currently not receiving a paycheck. So I called my mortgage company Wells Fargo as per the Cares Act to get a suspension of my mortgage payment. They told me on the phone they would not negatively report anything to the credit reporting agencies and it is my understanding that part of the Cares Act states that they are not allowed to as well. However that is exactly what they did. On my XXXX credit report it now states my account is in forebearance. As such my credit score went down 30 points.

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 2020-05-04 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: TX

Complaint narrative:
ftc violations attached please fix the error fair debt violations fcra violation and hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I went to Transunion.com and looked at my free credit score. I was charged {$24.00} due to a trial. There is no way to get a refund, but I will say that is my fault for not reading the fine print. The problem is there is no way to cancel on the site. They have zero information on how to cancel. There is nothing found under the account, profile, or support tab. You have to leave the site and find answers in forums to learn you have to call in - wait over 20 minutes on the phone. This feels very deceiving and far too many steps to keep people locked into a monthly payment plan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 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: AL

Complaint narrative:
On XX/XX/2020 I spoke with a manager concerning my account and per our conservation there ae some inaccuracies with what they have reported and what is being shown. Please see the attached inaccuracies as opposed to what Equifax and XXXX  are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
An account limitation has been placed on my Paypal Account as of XX/XX/20 requesting that I provide an government Id and proof of fulfillment of a sale. That information was provided on the same day. On XX/XX/20 my Id verification was approved. I did not get any response on the fulfillment review. I reached out to Paypal via chat because they have closed there call centers and was told that the item had to be delivered before the limitation could be removed. My item was delivered and again I went back to chat and was told my account would reviewed in 24-72 hours this time elapsed and still no review was done on my account. I engaged chat again and was now told 10 days. I asked for a supervisor to contact me and was told by rep XXXX that her supervisor XXXX would call by end of day. Today is the XXXX day I have not received any phone calls and I am now receiving generic messages from chat that my account is being reviewed. I have no access to my funds which is being held by a company that it closed in a pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I purchased a cruise to for travel on XXXX XXXX and the cruise was canceled due to COVID-19 and government suspension of further sailing from any cruise line. XXXX XXXX line advised they processed a refund on my debit card on XX/XX/XXXX, and the refund has not been credited to my bank account as of XX/XX/XXXX XXXX I contacted my bank Suntrust and filed a dispute to retrieve my funds in the total amount of {$650.00}, and they denied my claim, due to no fraud occurred and any funds debited from my account is my loss. Before filing the dispute, I explained to the bank that no fraud occurred against my account and I am requesting my funds to be refunded back to my account, due to the cruise line has not processed my refunds. The funds were taken on XXXX {$100.00}, XXXX {$200.00}, XXXX {$150.00} and XXXX {$200.00}

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 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: VA

Complaint narrative:
The person keep saying they are looking for a person with debt I am not the person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX, the COVID-19 outbreak was characterized as a pandemic. This is the first pandemic known to be caused by the emergence of a new coronavirus. I have called Synchrony Bank XXXX. XXXX  XXXX XXXX, XXXX ROOMS TO GO / SYNCHRONY BANK XXXX. Just to fill you in. My account was never late. When I opened this account in XX/XX/XXXX. My line of credit was {$6500.00}. Since this pandemic hit the world I like millions of others have been out of work. On XX/XX/XXXX Synchrony bank has lowered my credit utilization ratio to Now on XX/XX/XXXX {$2700.00}. When I called bank she said I am sorry about you losing your job but would you like to pay your balance due? Nobody seem to be human anymore are they reading from a script? I will continue to pay my bill even if my kids don't have food. But Synchrony Bank will have their payment. Not, once did the representative said can differ your monthly payments for a couple months.

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 2020-05-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have tried cancelling a " membership '' with Experian that has been charging me {$21.00} a month since I filed a complaint with cfpb on XX/XX/2018. I have called and cancelled multiple times. I have attempted to talk to a representative but am always turned away. I have reported the membership to my credit card company as a fraudulent one since they will not let me cancel.

I have tried to cancel upwards of 50 times. They provide no help and no easy way to cancel online. Every time I call they say " are you sure you would like to cancel your " free '' membership '' to which I say yes. However, nothing about my membership is free because they continue to charge me.

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 2020-05-04 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: TX

Complaint narrative:
ftc violations attached please fix the error fair debt violations fcra violation and hippa

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 2020-05-04 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: TX

Complaint narrative:
ftc violations attached please fix the error fair debt violations fcra violation and hippa

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 2020-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: CO

Complaint narrative:
So I filed for unemployment back on XX/XX/2020 and was APPROVED. The sent my my UI pin and I elected to get a prepaid debit card. I was advised mailing takes approximately 7-10 Buisness days. Its now XX/XX/2020 and I still have no prepaid card. I have not been able to get in touch with anyone not at the unemployment office nor at the US Bank Relia Card Holder services. Yesterday I was holding for over 3 hours. This morning I was holding for over an hour before we gave up and contacted you guys. Now mind you we have been trying to contact the offices for weeks now in reference to the card and nothing works. I have been unsuccessful. I have had an entire agent from the Unemployment office email me directly asking questions pertaining to my unemployment insurance basically hounding me about my unemployment and over a couple of days going back and forth and making sure I answer all of his questions, I asked him the question about my pre paid bank card and why I havent received it and was there a way I can file with them a lost and or stolen debit card and he never responded and that was less then a week ago. I lost my UI pin and requested a new one and nothing happened with that either. We are about 6 weeks in and I need to pay my bills including rent for my family of 3 and still nothing has been done!

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 2020-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I spoke with a representaive from Synchrony Bank on XX/XX/23 and have been inundated with multiple calls from several different numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, etc. Upon callback I discovered that every single call was from Synchrony Bank even after I have withdrawn consent to be contacted on a recorded line. Times of each call reported below. 

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