vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-07 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
SYNCB/PPC is reporting that I was late on a payment which is totally incorrect. I have never ever been late as you can see from my credit report. One report reflects i was late in XXXX while another report reflectsthe same exact account was late in XXXX. This information is totally inaccurate and my ask is that you will PLEASE conduct an investigation into this inaccurate information that is hindering me from continuing to become the best version of myself. This is causing my health  to go down so please help 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 non-monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX  XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX  XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX SER XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX  XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX AR XXXX {$0.00} Someone 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 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My tax return was deposited XX/XX/XXXX, directly afterwards American Express serve closed my account for having a negative balance more than 15 days. I called their fraud department and was told they would send an email and it could take 2 business days. I called again on the XXXX and they told me a check was in the mail it would take 7 to 10 days. I called today XX/XX/XXXX because I received a text informing me of my balance in an account that should be closed and the representative said there was no record of anything beyond send the initial email on the XXXX and she would send another email starting the whole process over again. I asked to speak to someone who could assist more and was told there was nothing they can do. If they closed the account the money should have been returned right then, not held in an account that can not be accessed. At the very least action should have occurred after the first phone interaction. At this point it is neglect on their part. After seeing that there was no follow up to my initial request their should have been a sense of urgency on their part. Or on the second time I called on the XXXX they should have not told me that my check was in the mail, that was false information. I feel I was lied to about the status of my account on the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to my bank to cash in some bonds the bank teller put in the wrong date of the bond and the wrong iinterest rate, she paid me too much and Put me in a awful situation they took every dime I had in my account and charged me for the their mistake

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 2020-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sign on the Line, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, Sign on the Line Inc. sent me a mortgage refinance solicitation under deceptive pretenses. Specifically, rather than putting their own name on the exterior of the envelope, they included the name of my original mortgage lender, along with " TIME SENSITIVE NOTIFICATION, '' to make it appear as though their solitication was an important message from my actual lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: CORELOGIC INC
State: OH

Complaint narrative:
I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: LEXISNEXIS
State: OH

Complaint narrative:
I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: Innovis
State: OH

Complaint narrative:
I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: Kriya Capital, LLC
State: PA

Complaint narrative:
XXXX  outright lied on a letter submitted to FCC, states that I called to reinstate service on tablet after I cancelled service. I never called to reinstate, consequently continues to bill my account, then placed account for collection with Credence Reaource Management. This is not a valid collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Certegy Holdings, LLC
State: TX

Complaint narrative:
For the past year and a half I have been unable to write a check because of the bad references a company called Certegy has been giving retailers such as XXXX and XXXX here in XXXX, Texas. The information involves NSF checks that were paid off and also covered under my bankruptcy filed after the NSF checks were paid in full but remain on negative reports used to deny me the ability to write checks to this day. Certegy has been notified of my bankruptcy and continues to disregard the protections afforded me by the bankruptcy and the law that protects consumers after bankruptcy has been filed, such as reporting of debts incurred before the filing.

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX  XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX {$0.00} Someone stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: AR

Complaint narrative:
I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XXXX {$0.00} Someone 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 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
CitBank sent me a letter, dated XX/XX/2020, notifying me that I would be receiving a CitiPremier Mastercard ( with a revolving credit line of {$15000.00} ) within 7-10 days. 

Since I never applied for this card, I contacted CitBank on XX/XX/2020 ( date I received the letter from CitiBank ). 

The CitiBank representative I spoke with told me that the application had been submitted online and the she would cancel the card and close the account. She also advised me to report the identity theft, which I've done through idtheft.gov and XXXX  ( which should also report to XXXX  and XXXX   ). I also need to contact CitiBank 's Fraud line, but have not yet been able to contact an agent.

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 2020-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I joined Credit Karma Savings Account. Online deposit of XXXX, then XXXX. Then my personal email was hacked in XXXX ; it was tied to my CK account. Had to close bank account and get new credit card numbers. CK has no phone number. Emailed their customer service, as I was worried about my acct info and wanted to close savings and update bank acct for savings acct draft. Was told then not possible to change acct numbers? I asked to close as the acct tied to savings was compromised and closed. Its been 6 weeks and multiple emails later ; they insist I sign in on compromised email. I cant ; no access. I just want my money and have requested it for 6 weeks. Have provided ID as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: Credit Resolutions, LLC
State: GA

Complaint narrative:
There's a report on my credit report that is inaccurate, outdated, fraudulent amount, and if it's mine it's over seven years. The  account was opened in XX/XX/2019 by Credit Resolution XXXX XXXX XXXX, XXXX, CT. Telephone number XXXX. The amount of {$3300.00} was placed on my report XX/XX/2019 without proper explanation. 
I have been in Georgia for five years, prior to that I was living in a home for four years. 
They gave no clear explanation. And if this is an old build sold to them, why is it still on my credit report, and opened XX/XX/2019. 
This is a malicious act, and I want it remove. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: VA

Complaint narrative:
Im writing due to non-compliance with the CRA, Experian. 

They have failed to remove information that was affiliated with personal Information that was challenged in the past. 

I strongly believe that they are in violation with the FCRA and are outright refusing to uphold the law.

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has charged me {$24.00} when I was online browsing and look for my credit score. They never said they would charge me any money, after I put in my credit card information I was charged the monthly fee that I did not agree to.

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 2020-03-07 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: PA

Complaint narrative:
I received a letter of release from XXXX cable company when I made the payment in full. I have tried several times to contact experian credit bureau to make sure that XXXX cable company was removed from my credit report. Experian credit bureau is still reporting this on my report. The account was paid in full last year.

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED FOR QUITE SOME TIME AND IT HAS BEEN REPORTING ON MY REPORT. THIS ACCOUNT HAS TO BE REMOVED OFF MY CREDIT FOR I DID NOT GIVE ANY AUTHORIZATION FOR THE ACCOUNT TO BE REPORTING ON MY CREDIT. THIS ACCOUNT HAS BEEN REPORTING AND I HAD NO KNOWLEDGE OF THIS, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVE AND PURGE OFF MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: VA

Complaint narrative:
Im writing due to noncompliance with the CRA, Experian. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation with FCRA and are outright refusing to uphold the law.

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 2020-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with the accounts below. 

Account # XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , NV XXXX. 

Account # XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX , OH XXXX. 

Account # XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , OR XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX , FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX , MO XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX   XXXX , NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , NV XXXX. 

My dispute was clearly submitted on XX/XX/XXXX. It took you 46 days to provide these inaccurate results. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. 

Please delete these erroneous accounts so that I can finally put this issue to rest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: LA

Complaint narrative:
They are trying to collect for unpaid cable service from a address I never lived at

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