vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The complaint is about Experian, the national credit reporting agency. 

My complaint is about inaccurate and unverified information being reported on my credit report. The problem I am having is that Im explaining to Experian that 2 accounts listed on my report are not mine and I want them deleted. 

I wrote a dispute letter. Experian responded with a letter simply stating that the accounts are verified. I sent another letter asking Experian how they verified that the accounts. They sent me a generic response. They havent provided any proof of an actual investigation. They havent provided any proof that these accounts belong to me. Like XXXX did, I want Experian to delete these accounts for my file. 

Facts Are as follows : XXXX. ) Dispute letter sent to Experian disputing 2 accounts. Included with dispute letter is a copy of my XXXX report. XXXX recently deleted these 2 unverified accounts. XXXX recent deletion of the accounts is proof that accounts are invalid. They never belonged to me. 

2. ) I receive a letter from Experian stating that results of dispute are that the accounts have been verified. Experians letter provides NO PROOF that the accounts were actually verified or even investigated. 

3. ) I send Experien a letter asking them to disclose how they verified the accounts. I never had an account wit XXXX XXXX or XXXX XXXX so I asked for the documentation that was provided to Experian which proves the accounts belong to me. In other words, I sent a method of verification request. 

4. ) In response to my method of verification request, I received a post card from Experian on XX/XX/2020 simply stating the information is verified. However, they still have not provided any evidence of an investigation or proof that these accounts belong to me. 

5. ) XX/XX/2020 am forwarding my complaint through CFPB.

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 2020-09-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am being accused by EXPERIAN of not sending my own complaint, which I XXXX XXXX XXXX did in reference to Identity theft, and fraudulent accounts reporting onn my credit report. Again I have attached a copy of my social security card, and driver licsense

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 2020-09-17 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: CO

Complaint narrative:
my cfpb account # is XXXX. 
I just checked my credit score. My Credit Score messed up due to the issue of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY XXXX XXXX XXXX XXXX The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some  help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XX/XX/XXXX. I  had to move do to job loss and never had a bill update.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Terrible company closed all of my accounts and atleast 12 different people I know during the pandemic theres business and then there is heartless and just completely rediculous even if my issue is resolved definitely plan on making sure their actions are made very public Creditors established payment arrangements for people and were naturally backlogged in getting the updated with the bureaus i was clearly never late prior or since they shutdown my Wayfair Card much like everyone zero warning then when you got to make a payment they act like youre bothering them. Went to use express card says I cant must have closed that with zero notice to customer service rep said its still open but unfortunately community is very inconsistent Your own employees haha They already decreased my express card twice in a 3 month period meanwhile always pay early its paid off completely and was used recently

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY FIFTH THIRD BANK NA. The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XX/XX/XXXX. I  had to move do to job loss and never had a bill update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY XXXX XXXX XXXX XXXX. The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB :XX/XX/XXXX. I had to move do to job loss and never had a bill update.

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY XXXX XXXX XXXX XXXX. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: MOHELA
State: CA

Complaint narrative:
I have a very old student loan about 14-16 years old with mohela. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with mohela. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account. 

I have one account with them. Loan # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments. Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$400.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a checking account with Fifth Third Bank on XX/XX/XXXX and deposited {$250.00}. The bank was running a promotional offer which would have give me {$250.00} if the money was held for a certain period of time ( 60 days XXXX. Last week XXXX on XX/XX/XXXX or XX/XX/XXXX ) I called the bank to check if I had received the {$250.00} that was promised as part of the promotional offer. To my utter shock and disbelief, the bank said that my account had been closed because it had a zero balance for too long. When I questioned the bank regarding my deposit, the bank said that there were some transactions that used the debit card. Here are some of my key points XXXX. I had never received or activated my debit card. This is a case of my money fraudulently withdrawn from my account. 
2. The bank did not have the courtesy to inform me that they were closing my account. 

If you are wondering as to why I did not approach to resolve the problem with the bank then please see this below. My adult son XXXX XXXX XXXX - same address as me ) used to have an account with Fifth Third. All of his monies were ALSO fraudulently withdrawn from his Fifth Third account without his knowledge. He too never received or activated his debit card. XXXX ( my son XXXX received a treatment from Fifth Third that was less than respectful and he had to waste several days/hours for his monies. The bank kept saying that he had withdrawn - which was highly insulting & accusatory. He had to have many conversations with the bank and also had to file a police report. The bank did not want to assume any responsibility. He too filed a CFPB report XXXX # XXXX ) - which was eventually resolved. The truth is that Fifth Third has demonstrated lack of internal controls when it comes to managing new accounts. Two accounts in the household are now victim of their negligence. I DO NOT want to go through the same awful experience that my son did and I am requesting CFPB to help me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$400.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

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 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: WA

Complaint narrative:
There are 3 accounts on my credit that are reporting inaccurately.

1. XXXXXXXX XXXX charge off with a balance showing 2. XXXX charge off with a balance showing 3.  XXXX charge off with a balance showing This is not accurate according to the fair credit act. you cant have a charge off and still report a balance. if you do you must delete the account. I have been asking for this for 5 months now and no reply.

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 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

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 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$7300.00} debt from SYNCB/XXXX I cant say this more emphatically, I have never had a SYNCB/XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

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 2020-09-17 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers

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 2020-09-17 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: WA

Complaint narrative:
There are 3 accounts on my credit that are reporting inaccurately. 
1. XXXX  XXXX charge off with a balance showing 2. XXXX charge off with a balance showing 3. XXXX charge off with a balance showing This is not accurate according to the fair credit act. you cant have a charge off and still report a balance. if you do you must delete the account. I have been asking for this for 5 months now and no reply.

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 2020-09-17 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: CA

Complaint narrative:
I have a very old student loan about 14-16 years old with XXXX. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with XXXX. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account. 

I have one account with them. Loan # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments.  Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.

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