vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
the following accounts are reported on my credit, without an authorization, please review them, they are hurting me Identity Theft SYNCB/PPC Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
In XX/XX/2020 I took advantage of an offer on TargetXXXX to open an account. I then charged roughly {XXXX} to the card. I had NO communication with the bank until I called the bank in XXXX after being notified of a change to my credit bureau file by a third party. I then immediately contacted the customer service department and was told they needed to update my address, would take a payment for the full amount then waive the interest and late fees. The agent then proceeded to tell me that they city in my address was wrong but that he could not update that and the only thing he could do is attempt to send a card and replacement statements to me at the address they had on file. This was supposed to leave me with a XXXX} balance and have a card and statements on the way to me. After a few more months I logged into my third party account to check my credit for any changes and found a 30-59 days late notification for the XXXX statement. I still have not received ANY communication from the bank since I opened the account except for contact I initiated via the phone calls. I was very surprised considering I was told the balance was taken care of and not further payment was needed. After speaking to several people I found out that again I missed a payment, no statement received, and would need to make a payment for XXXX}. I asked to speak with a collections rep I updated the address to include the correct city then I asked for a fee waiver and then a supervisor. The supervisor told me she would not be waiving the interest charges due to the fact that I didn't contact them in XXXX or XXXX to make the payment for the remaining balance and that a 1 time courtesy credit for fees and interest was already given to me. I don't know why I am not receiving statements but it probably has something to do with the address on the account showing the wrong city. I explained that I live in a rural area of Utah and that if the post office received mail with the wrong city it OFTEN never arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
This is a formal complaint against Rent Debt Automated Collection located in XXXX XXXX XXXX XXXX, TN, XXXX. This account is inaccurate as the CARES ACT released funds and federal funds were utilized to cover the Landlords due to the COVID-19 pandemic. In addition, under the CARES ACT, NO NEGATIVE INFORMATION SHOULD BE REPORTED. I am requesting that the item be removed immediately as it has caused duress and other unwarranted financial and economic hardship on top of the COVID-19. 
This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act pursuant to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter several times and have not received any proof from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. Also I sent a dispute letter to all 3 credit bureaus several times asking them to verify the account but I got a response back saying that the account was indeed verified. The following laws have also been violated by this company - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the consumer owes a debt within 5 business days. This company has caused serious harm and damage to myself and my family. This is an alleged debt that has not been proven and is still reporting on my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-06-11 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
the following accounts are reported on my credit, without an authorization, please review them, they are hurting me Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft 01 COMENITY BANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-06-11 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: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I traded my XXXX XXXX XXXX financed with Exeter in on approximately XX/XX/XXXX. My account was still open and active on XX/XX/XXXX so I gave them a call to ask why. They said they hadnt received my payoff. I called the dealership who said they sent the total amount of $ XXXX and some change via ACH on XX/XX/XXXX and they provided me with the lien release dated XXXX and a copy of the title as well as the proof of the ACH transfer. I spoke to no less than 5 people at Exeter that day who couldnt find this money and no one could believe the documents that I provided over and over. Finally on XXXX they applied my ACH payment and never explained where the money was lost. However, I had cancelled my extended warranty and gap insurance so the total payoff amount had reduced to XXXX when the credit was refunded to my account even though the dealer had sent over $ XXXX. The credit had been applied on XXXX, and the payoff had been sent on XX/XX/XXXX. My account statement showed the ACH transaction only paid off the $ XXXX to give a XXXX balance even though I was given the ACH receipt from the dealership showing a different amount. I inquired about that overage and asked why my account reflected an inaccurate ACH payoff amount of only the $ XXXX instead of the $ XXXX that was actually paid, but no one could explain it. I asked if i could get something in writing saying the overage would be paid to me and I was denied. I was assured I would have the overage check soon because it was an ACH transaction which clears immediately and I was told XXXX business days from the XX/XX/XXXX date is when I would receive my check, but that my account should reflect the overage by XXXX. On XXXX I still hadnt seen anything regarding the overage reflect on my still open account so I called again. I was again denied anything in writing regarding the overage and was told the check had been mailed on XXXX. Today, XX/XX/XXXX I called to follow up, and was told that the check has not been issued or mailed, that I have to wait 30 days from XXXX when they applied the ACH transaction for the check to even be issued and there was no way to expedite this. I need answers and an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: GA

Complaint narrative:
I submitted by writing a dispute to Transunion and XXXX. XXXX  opened the investigation XX/XX/2021 and Transunion opened the dispute XX/XX/2021. The investigation took longer then 30 days. As of XX/XX/2021 the dispute ares still open.

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 2021-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
AMERICAN CREDIT ACCEPTANCE HAS REPORTED THE WRONG PAYMENT INFORMATION CONCERNING MY ACCOUNT. I VOLUNTARILY ASK THEM TO PICK UP THE CAR AFTER I COULDN'T KEEP UP WITH THE PAYMENTS DURING COVID 19 2020. ONCE EVERYTHING WAS SHUT DOWN MY HOURS WAS WAS CUT IN HALF AT XXXX. I WAS ONLY ON PART-TIME HOURS TO BEGIN WITH. I PUT XXXX DOWN ON A CAR THAT WAS ONLY XXXX PLUS TAX. I MADE A TOTAL OF XXXX XXXX A MONTH AND SOMETIMES I HAD TO PAY EXTRA FOR THE LATE FEES. AMERICAN CREDIT ACCEPTANCE FINANCED XXXX PLUS ALL THE FEES, TAX AND GAP INSURANCE WAS INCLUDED. THE TERMS WAS FOR 6 YEARS @ 24 % INTEREST. I ONLY HAD THE CAR FROM XX/XX/XXXX UNTIL XX/XX/XXXX. ACA HAS REPORTED TO THE CREDIT BUREAS THAT I OWE XXXX. I PAID A TOTAL OF XXXX WITHOUT ALL THE LATE FEES BEING ADDED. ONCE THEY PICKED THE CAR UP FROM THE AUTO SHOP THEY EVEN TRIED TO CLAIM IT WAS DAMAGED TO MY INSURANCE COMPANY [ XXXX ]. BUT I TOOK PICTURES OF THE CAR THE DAY I RELEASED TO THE AUTO REPAIR SHOP.TO PROVE OTHERWISE. AMERICAN CREDIT ACCEPTANCE IS A TOTAL FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I originally disputed hard inquiries on my consumer report and Equifax responded " Please be advised that inquiries are a factual record of file access. '' Equifax is in direct violation of multiple us codes including 15 usc 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is ( obtained through personal interviews with neighbors, friends, or associates ) of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, ( such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ) or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
( 15 usc 1681 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 18 us code 1028A ) - ( aggravated identity theft ) Whoever during and in relation to any felony violation enumerated in subsection c knowingly transfers, possesses or uses with out lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: WA

Complaint narrative:
This letter is formal complaint that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile.

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 2021-06-11 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: WA

Complaint narrative:
This letter is formal complaint that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission.

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile.

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 2021-06-11 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: GA

Complaint narrative:
I submitted by writing a dispute to XXXX  and Equifax. Equifax opened the investigation XX/XX/2021 and XXXX  opened the dispute XX/XX/2021. The investigation took longer then 30 days. As of XX/XX/2021 the dispute ares still open.

Company response to consumer: Closed with explanation