vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. 

Home Address : XXXX XXXX XXXX. XXXX, NC XXXX Accounts : XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX ACCT # XXXXXX/XX/XXXXACCT # XXXXXX/XX/XXXXXXXXXX/XX/XXXX ACCT # XXXX XX/XX/XXXXACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXXXXXXXX/XX/XXXX ACCT # # # # # # # # # # # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

Any and all fraud freezes and alerts should be removed from my report immediately, AS I DO NOT want any blockages on my record for any reason whatsoever. I do not need anyone to keep watch over me like a dog! 







Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN:XXXX DOB : XX/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 explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
I am XXXX years old I do not have legal right to sign a contract. I have never used my social security until now where I have asked for my credit file. I called the credit bureau to obtain a copy of my credit and a collection agency named AFNI has negative information being reported to my credit. I'm not sure how credit works. But up until 15 days ago I didn't even know my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX to request a downgrade of my XXXX  XXXX XX/XX/XXXX card as I was no longer interested in paying the {$170.00} annual fee. I didn't think the fee justified the cards benefit. The representative presented various credit cards I could downgrade to that did not have an annual fee. After a 90-minute conversation, I decided to downgrade to the lower tier of the XX/XX/XXXX card that did not the annual key. I also allowed the representative to charge my checking account for the annual fee of {$170.00} in case the downgrade process takes long in order to avoid being charge a late fee since the annual fee was due. The representative ensured me everything be process and I will receive the new card in a few weeks. 

In the first half of XXXX, I spent a lot of times traveling which was extended due to the pandemic. I was in the west coast until XX/XX/XXXX. When I returned home in XXXX, I found several letters from XXXX XXXX stating that I owed them {$170.00} plus late fees/interest. Also, my credit report was flagged for missed payment. At first, I was confused and thought maybe someone stole the new card while I was away and used it. Because I know that I didn't owe XXXX XXXX anything especially since I paid them the {$170.00} annual fee back in XXXX to avoid any issues relating to downgrading my card. 

After having several conversations with XXXX XXXX bank tellers and two Case Specialist in the XXXX XXXX XXXX Complaints Management Office, they confirmed that the representative did not downgrade the card as he ensured me, he will do. Furthermore, they confirmed that they did receive my payment for the annual fee back in XXXX but failed to update my account with the new balance ( which was {$0.00} ) which resulted in them reporting me to the credit bureau. To explain, XXXX XXXX continued to charge me for the annual fee even though I had already paid them the fee. Every month from XXXX to XXXX they reported a missed payment to all three credit bureaus. They apologized for their mistake and ensure me that they will contact the credit bureau to remove all the negative marks they put on my account as this was their negligence for not verifying their information about my account. It is now XX/XX/XXXX ( I spoke to them XXXX XXXX ) and the missed payment has not been removed. I also open a dispute with Experian and Experian said they refuse to remove it. It seems like the only thing left to do is to take them to court because they are violating the federal fair credit reporting act ( FCRA ) and has damaged my creditworthiness.

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 2021-02-02 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had an account that I closed. Im now trying to reopen my account or create a new account to use the credit builder feature just released and they are preventing me from doing so, being rude and not providing any information about why I cant open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a refrigerator from Home Depot that was delivered on XX/XX/XXXX. On XX/XX/XXXX - the refrigerator stopped making ice and was getting warm. On XX/XX/XXXX a technician came out and told us the compressor had died. I had purchased an extended warranty from Home Depot, was within my 90 days of delivery, and this is obviously a major component. Second technician comes out to tell us that compressor, evaporator and control board are all bad. This is a lemon. Home Depot refuses to fix. Insists that the manufacturer must fix it. I have called the Home Depot store, corporate, etc. This is a lemon. This needs to be replaced or my money refunded. Home Depot refuses.

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 2021-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has blocked me from filing any dispute with this company online. I called on XXXX and submitted a dispute. Experian did not send this dispute to the company to investigate. I was sent a message within 30 minutes after submitting the dispute that the results are ready. I did the same thing on XX/XX/2021. Same results in 30 min. After I submitted the complaint Experian decided to reopen the XX/XX/2021 dispute. I have filed a complaint with the Attorney Generals office they have all paperwork for this dispute. Experian has violated my rights as a consumer. I currently do have an attorney that will be contacting them very soon.

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 2021-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am currently unemployed, and I am living off my XXXX unemployment benefits since I was laid off from my job several months ago. So, having my Bank of America debit card is extremely important so I can pay my rent, bills and buy food. On XX/XX/XXXX, I contacted Bank of America to notify them that my XXXX Bank of America card was lost, and I requested a new card to be sent to my primary address. The representative that I talked to told me that they would send me a new card and that I would have my card within 2-3 days. After waiting several days I contacted Bank of America again they told me that my card was just delayed and that I needed to wait so more until the card was received. Also, I contacted Bank of America on XX/XX/XXXX to notify them that I had still not received my card. The representative that I talked to said no problem and that she would send me a new card that I would receive by XX/XX/XXXX XX/XX/XXXX. I have waited over a month for my Bank of America XXXX card and still have not received it. I believe Bank of America is lying to me and that they have not really sent a replacement card to me. I need assistance addressing this issue since Bank of America has not resolved my issues is not meeting the obligations as a facilitator of government programs. Also, since my card is in transit, I am not able to access any of the funds within my Bank of America XXXX checking account.

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 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I received my CFPB response from Resurgent Capital Services dated XX/XX/2021, which was an account summary, which does not count as a validation of debt. Anyone could have opened a credit card in my name and used it. They have yet to produce a contract bearing my signature. They also have failed to produce what they actually paid for this account. They are not able to charge a debtor more than what they paid for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Since XX/XX/2020, someone has been applying to credit cards under my name. The cards they applied to were XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, citibank, and more. I've called some of the credit card companies to terminate the application and they said the person who applied has all my personal information including my social security. I've sent a police report and set up a fraud alert on my XXXX account, but they are still applying even today.

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 2021-02-02 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: MS

Complaint narrative:
Background : My wife and I filed for chapter XXXX bankruptcy in XXXX. Meeting of creditors was XX/XX/XXXX. In XXXX of XXXX, we petitioned to convert to a XXXX due to income changes. We converted back to a XXXX in XX/XX/XXXX after my income went up due to a new job. It should also be noted that I have an auto loan through XXXX that is paid outside of the Plan and all payments have been on time ( as accurately reported on the credit report by XXXX ) Issue : I had an unsecured credit line with XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX XXXX XXXX ) included in the bankruptcy. Starting in XXXX of XXXX ( after the XXXX meeting concluded ) XXXX began reporting the account as late/delinquent, though they were receiving distributions from the trustee and my payments were all on time. Additionally, the account is reporting 'open ', instead of 'included in bankruptcy '. I filed disputes with all 3 credit bureaus, twice, disputing both the delinquent payments and account status. XXXX has refused to make any changes. None of the other creditors included in the bankruptcy are reporting the accounts as past due or open. 

The new job I started in XX/XX/XXXX requires that I relocate. I am applying for a mortgage loan ( provided I meet all the criteria and am approved by the bankruptcy judge ). The incorrect reporting filed by XXXX is harming me by lowering my credit score hindering my ability to obtain approval for an FHA mortgage I otherwise should qualify for.

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have been incarcerated in the Oklahoma XXXX  XXXX XXXX at the XXXX XXXX XXXX XXXX since XX/XX/2007. I recently obtained a current copy of my credit report to only find out that I've been a victim of Identity theft. I wrote a letter to Synchrony Bank regarding the Amazon store card open in my name without my knowledge or consent, along with a dispute with supporting documents showing my ( CRC ) consolidated record card along with my prison ID, social security number, a Identity theft sworn affidavits. Where the company said that my personal information match and denied the claim without an active investigation, its response was nothing more then a smoke screen dancing around the issue. Nothing in there response substantiated how I opened this account while being incarcerated for the past 14 years, they haven't sent any credit card to a prison. Any address on my credit report is a result of my Identity being stolen. And I ask that this company remove this account from my credit report because I had not opened it nor authorized and one to do so. 

ATTACHMENTS

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the date of XX/XX/2020 there was fraud committed on my XXXX debit card issued by Bank of America. I had XXXX $ withdrawn from an area far from where I live. I called and filed a claim I filed a claim with Bank of America that same day, and then the following day ( Tuesday ) either BOA or the XXXX proceeded to delete / freeze my account! I also had another XXXX $ sitting in the account so for a month I did not have access to my future XXXX benefits, the XXXX $ sitting in my account, and the XXXX that was stolen from me! Right before XXXX too! Long story short I went back and fourth with the XXXX & BOA, and the XXXX reverified my identity and unfroze my account. Bank of America in the process gave me 0 help, and even mocked me at times for needing this money reimbursed to me. I have seen HUNDREDS of people going through the same thing. I called maybe 50 times within the month and I have not had the money that was stolen to me reimbursed.

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 2021-02-02 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: TX

Complaint narrative:
I have a mortgage company ( XXXX XXXX ) that we have been making payments to. They have made several mistakes and misreported late payments to the credit bureaus ... 11 total. I've asked the bureaus to process my request and update my mortgage to paid as agreed and remove these remarks ... nothing has happened and this is killing me. Attached is a document that XXXX XXXX sent us after we threatened to sue them agreeing to remove the late payments. Please help us

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 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX hired a debt collection agency, Portfolio Recovery to collect a debt that is not mine. I never recieved any correspondence through mail, phone CALL ETC ... I found out about this debt through checking my credit report. At the time of this account being open fraudulently in my name I was hospitalized at XXXX XXXX XXXX. I was told to send proof of this and I did. I was later told that this was illegal on the part of XXXX XXXX  and Portfolio Recovery. This is an invasion of my privacy according to the Privacy Act and HIPPA regulations. I also disputed with credit bureaus in which these companies did not reply within the 60 days FCRA regulation requires them to. XXXX XXXX requested to see a police report and I sent them three different ones to different departments over and over again. Portfolio Recovery also made this request and I obliged but after 60 days was not made aware of any changes to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
I have a mortgage company ( XXXX XXXX ) that we have been making payments to. They have made several mistakes and misreported late payments to the credit bureaus ... 11 total. I've asked the bureaus to process my request and update my mortgage to paid as agreed and remove these remarks ... nothing has happened and this is killing me. Attached is a document that XXXX XXXX sent us after we threatened to sue them agreeing to remove the late payments. Please help us

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 2021-02-02 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: TX

Complaint narrative:
I have a mortgage company ( XXXX XXXX ) that we have been making payments to. They have made several mistakes and misreported late payments to the credit bureaus ... 11 total. I've asked the bureaus to process my request and update my mortgage to paid as agreed and remove these remarks ... nothing has happened and this is killing me. Attached is a document that XXXX XXXX sent us after we threatened to sue them agreeing to remove the late payments. Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank/Credit Care hired a debt collection agency, XXXX XXXX to collect a debt that is not mine. I never recieved any correspondence through mail, phone CALL ETC ... I found out about this debt through checking my credit report. At the time of this account being open fraudulently in my name I was hospitalized at XXXX XXXX XXXX. I was told to send proof of this and I did. I was later told that this was illegal on the part of Synchrony Bank and XXXX XXXX. This is an invasion of my privacy according to the Privacy Act and HIPPA regulations. I also disputed with credit bureaus in which these companies did not reply within the 60 days FCRA regulation requires them to. Synchrony XXXX requested to see a police report and I sent them three different ones to different departments over and over again. XXXX XXXX also made this request and I obliged but after 60 days was not made aware of any changes to my credit reports.

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 2021-02-02 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: Synovus Bank
State: PA

Complaint narrative:
Contacted the credit bureau about reporting the late payment. The bureau told me to contact the creditor and they are both saying they didnt place a notice of late payment on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company continues to call and contact me from different numbers daily. When I told them the debt is not valid and to stop contacting me. After blocking their number. They would call again either the same day or the next from a new number

Company response to consumer: Closed with non-monetary relief