vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: NV

Complaint narrative:
Due to covid, I am sure you are backlogged, however, there are some accounts that do not belong to me. I can assure that I am not a credit repair company, though I am really concerned that there are items on my credit report that do not belong to me. Please remove immediately. Thank you.

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 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have disputed the following accounts with no luck of having them removed. They are not my accounts. I have lived at my current address for over 10 years. I am a victim of identity fraud. I have never had a loan on my car, and/or a payday loan. One account is for electricity, but my electric bill has been under my mother-in-laws name for over 10 years. 

XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX {$420.00}

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 2020-10-07 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: AZ

Complaint narrative:
I have disputed the following accounts with no luck of having them removed. They are not my accounts. I have lived at my current address for over 10 years. I am a victim of identity fraud. I have never had a loan on my car, and/or a payday loan. One account is for electricity, but my electric bill has been under my mother-in-laws name for over 10 years. 

XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX {$420.00}

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 2020-10-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting inaccurate information on my credit report and refuses to verify these accounts with the alleged creditors. I mailed TransUnion a letter on XX/XX/2020, disputing an account by the name of XXXX XXXX XXXX on my credit file. TransUnion received this letter on XX/XX/2020 and hasnt responded to the letter or completed and investigation within 30 days, which is required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). The letter was sent to TransUnion via certified mail with the United States Postal Service and requires a signature for release, I have attached a screenshot of the tracking information from USPS dated XX/XX/2020 showing that this letter was received on XX/XX/2020. I have also attached the letter dated XX/XX/2020. It is XX/XX/2020 and I still havent received anything pertaining to an investigation of this account on my credit file. I am requesting that this inaccurate information be deleted from my credit file immediately. TransUnion has violated multiple federal laws and continue to report negative information on my file, I believe theyre in violation of the Fair Credit Reporting Act.

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 2020-10-07 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: NC

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from 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 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX ( XXXX  ) XXXX. However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX  XXXX XXXX ( XXXX ), XXXX. legal counsels, and was fighting the cases. Then the courts were shut down inXX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. 
A few days ago ; the collections agencies made new reportings to XXXX   about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX SC XXXX lawsuit ; Pollack & Rosen , P.A . brought this old credit card from XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. ; They are a debt collections agency that buys old charge-off debt from major companies then sues the debtor by pretending to be the original creditor. ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
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: CT

Complaint narrative:
On XX/XX/XXXX I received an email from Synchrony Bank regarding promotional financing I requested. This caught my attention because I had no balance on my Synchrony Bank/Care Credit account at the time. I logged into my account online and found {$6300.00} had been charged to my Care Credit account.

I contacted Synchrony immediately to contest the charge. I was given details about where the charges originated and I was told this charge would be taken off my account and a new credit card would be sent. When I received the new credit card, there was an  additional card with the name XXXX XXXX enclosed. I contacted Synchrony again and I was told she became an authorized user for my account in XX/XX/XXXX. 

Starting XX/XX/XXXX I began to receive letters from department stores, online catalogs and other retailers giving me explanations for denying me credit. I never applied for this credit and it was clear my identity was stolen. I immediately froze my credit at all three major bureaus and put a fraud alert in place. I took other steps as well that month, including following the steps recommended by the FTC for when your identity is stolen. 

I am frustrated with the lack of care Synchrony takes with my identity. In addition to the fraudulent accounts with retailers I have no relationship with, there were two fraudulent applications for credit line increases for accounts I do own. One of these is the very same Synchrony Bank/Care Credit account in discussion. When I discovered my identity was stolen in XX/XX/XXXX, I contacted Synchrony Bank along with all my other creditors to let them know my identity was stolen. Yet two months later, Synchrony allowed XXXX XXXX to obtain a credit card under my own account in XX/XX/XXXX and had {$6300.00} be charged ten months after that. I am frustrated and worried.

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 2020-10-07 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: MA

Complaint narrative:
Equifax is reporting late payments on this account and that is incorrect, I want these late payments deleted as this is hurting my credit score. The account is XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: NC

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: NC

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent  accounts be deleted and blocked from 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 2020-10-07 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-10-07 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: TN

Complaint narrative:
I previously reported that Equifax ( EQ ) is reporting incorrect information below is the the previous complaint.

Equifax ( EQ ) is reporting incorrect information. All of my student loans are paid in full yet after several attempts to corrected. EQ continue to show they are not paid in full. I also have several others listed below that are not being reflected on my credit reports permanently. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The results of the complaint EQ corrected the student loan accounts showing that they are all paid in full. EQ did not correct and up date the XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. EQ removed ( deleted ) the accounts. I am requesting that the accounts are to be added back and corrected to show my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a Savings & Checking account with SunTrust bank on-line on XX/XX/2020. By ACH transfer, I deposited {$500.00} to the Checking Account to exceed the minimum balance necessary to avoid fees. I made another ACH transfer to Checking subsequently which remains in transit. 

At some point, on, before or after XX/XX/2020, SunTrust bank restricted my on-line access to the account. 

In speaking to a customer-service representative on XX/XX/2020, and later to a supervisor, I was informed that SunTrust bank closed my account for " general reasons. '' Upon my request for a specific reason, no answer was forthcoming. 

Upon requesting the return of my funds, I was informed by the SunTrust supervisor that he is unable to give me any estimate of when the return of my funds would occur.

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 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
I had three XXXX  County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX ( XXXX ) XXXX. However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX  XXXX XXXX ( XXXX  ), XXXX. legal counsels, and was fighting the cases. Then the courts were shut down inXX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. 
A few days ago ; the collections agencies made new reporting to XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX CC XXXX case ; Debski & Associates, P.A. posing as XXXX XXXX XXXX  ( XXXX  ), XXXXXXXXXXXX. They are a debt collections agency that buys old charge-off debt. This company does not represent XXXX XXXX XXXX  ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: LoanCare, LLC
State: CA

Complaint narrative:
I paid off myloancare mortgage loan last month, during that time I was in forbearance. I was completely current on payments going into the forbearance and when the account closed, it was reported to the credit bureaus that I was 60 days late.

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 2020-10-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2020-10-07 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: NJ

Complaint narrative:
I opened a secured credit card account with Wells Fargo Card Services on XX/XX/2015. The account was closed and paid in full on XX/XX/XXXX I made all payments on time. I received a refund for the secured deposit but the account was showing as paid in full after charge off and sent to collections. The account was never a charge off and it was never in collections. It was paid in full and I received a refund. I have disputed it several times and they have not corrected the status. I would like it to be corrected.

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 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have XXXX  XXXX credit card account which reflect XXXX and XX/XX/2020 late payments on my credit reports.I had contacted XXXX  XXXX and fix the error and got a confirmation letter from XXXX  XXXX which I sent copy of the letter to all three credit bureaus twice since XXXX of XXXX, but no changes were done I am filing this complain because of negligence of credit bureaus.also attaching letter from 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 non-monetary relief
Consumer complaint received 2020-10-07 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: WA

Complaint narrative:
I am victim of identity theft and I have tried to contact Experian about this 3 fraudulent account that were open in my name without my authorization and are do to identity theft. ( XXXX  XXXX, XXXX XXXX, and XXXX  card ) three accounts. I provide them with a copy of my police report as well as written statement and still didnt remove or block those fraudulent account. Also my name and address are incorrect thats on my credit report. Which I advised them of that issue but they have yet to correct. I dont live in XXXX, hi and my name is XXXX. I told them numerous of times to fix this issue. They are violating my rights and fcra rights 605b. They also need to hire better representative to do their job better and to protect their customers accounts. They failed to do so.

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 2020-10-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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