vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 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: DE

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on XXXX XXXX : XXXX XXXX Account # : XXXX Duplicated twice on credit report XXXX XXXX Account # : XXXX Duplicated twice on credit report I have recently checked my credit reports with Equifax and have found an account without an original creditor is listed. I am not aware of the allege debt and this reporting ' is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on Equifax : Equifax Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
SYNCHRONY BANK XXXX XXXX XXXX XXXX BEWARE! 

Back in XXXX, I purchased a new bed with a XXXX XXXX XXXX XXXX credit card from SYNCHRONY Bank. I made ABOVE and beyond the minimum payments, the total financed amount was {$6000.00} I recently looked at my statement and saw that a " promotional '' interest rate had expired which I was NOT made aware of. 

My balance as of XX/XX/XXXX was {$1800.00}. 

In XXXX - I was charged {$3000.00} interest, which brings me back to the beginning of the loan after 3 years. 

I was not made aware of this high-interest rate and feel extremely taken advantage of as a consumer. Customer Service said there was nothing they could do because I was over their " one month '' grace period to dispute the interest. 

This brings my new balance to {$4700.00} after 3 years and FULL ON-TIME PAYMENTS There should be NO REASON a credit card should charge triple the amount owed. 

Beware of this scam to hurt the middle class!

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 2022-03-05 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: NJ

Complaint narrative:
I called, emailed and sent letters out to the credit bureau disputing these fraudulent activities and nothing has been removed. I asked them to remove because it's fraudulent activity that was never authorized by me. Nothing has been done. 

XXXX is reporting XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. Never authorized by me. 

Transunion is reporting XXXX XX/XX/XXXX XXXX/XXXX/XXXX and XX/XX/XXXX NEVER authorized by 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 explanation
Consumer complaint received 2022-03-05 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
( 1 ) Bank of America willfully misreports my " current correct address '' to all credit bureaus XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( 2 ) Bank of America willfully misreports my balance of my credit card and allows unauthorized charges to be charged to my credit card, in spite of many warnings ( 3 ) XXXX did not remove the unauthorized inquiry from in spite of many warnings

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 2022-03-05 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: DE

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately

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 2022-03-05 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: PA

Complaint narrative:
I've received a copy of my Transunion credit report and found the following items to be in error. I am being wrongfully denied credit due to this matter

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 2022-03-05 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I attempted to get this resolved with the credit reporting agencies a few months back and the accounts are still on my credit report. This is damaging my character, reputation, and well-being. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Credit reporting laws ensure that credit reporting agencies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

There are several violations on this account : Each Credit Reporting Agency is showing a different date of last activity and a different payment history. 

Therefore, the unauthorized accounts on my credit report need to be deleted immediately.

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 2022-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
Rushmore has failed to respond to my complaint ID XXXX, and now I am getting letters from the attorney about the foreclosure and about when I need to leave my home the attorney is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Michigan XXXX phone number is XXXX I do not have a email address but you may know of them already also says what I guess is the file number # XXXX the property is now called a XXXX XXXX XXXX. Also there was no 4 week advertising in the local paper which is law in Michigan to advertise the foreclosure for 4 weeks, here it is in the legal news also they were to inform us of the foreclosure and put a copy of the ad on our premises which they did none of also as described in the original complaint that the 180 covid 19 forbearance extension of the already in force original 180 day covid 19 forbearance was denied by the owner as that was stated in the letter of denial also on the latest billing and the one before that it said that we were in a loss mitigation program and on a repayment plan that is very deceptive as if I new this was legally going to be foreclosed my son was talking about moving back in and we could have tried to work something out but this was all done in silence and behind our backs and also deceptive saying we are in a loss mitigation program please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: R.A.Rogers, Inc.

Complaint narrative:
I have an issue with my credit report with XXXX. XXXX report about someone else account on my credit. The name and date of birthday of that girl similar to me and she is getting services from XXXX but did not make a payment of {$220.00} which is due on XXXX XXXX. Because we both have same names and date of birth, so XXXX put this due bill on my credit and going to decrease my credit score. It happened with me second time, earlier they put credit with same name who was customer of bell. Even in my whole life i am not customer of XXXX and XXXX. So, everytime they just match my name and birthday with someone who doesnt pay the bills on time and put myself in trouble. So, that is why, i want to make a complaint against them because they do not check whole information like Social insurance number or other specific documentation. Can you please reach out to them so that they can remove this false information from my credit report. I will look forward to hearing from you. 
I will really appreciate that if you can help me. 
Thank you Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: CA

Complaint narrative:
My personal credit card ( ending XXXX ) with XXXX XXXX has a regular balance of {$40.00} ( see attached document from XXXX 's myaccount access.com ). 

XXXX XXXX " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular XXXX and Equifax. Thus, my FICO score " dropped '' by at least XXXX points. This is NOT a isolated incident by XXXX XXXX- there are many willful and criminally motivated FCRA violations. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ----

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: CA

Complaint narrative:
My personal credit card ( ending XXXX ) with XXXX XXXX has a regular balance of {$40.00} ( see attached document from XXXX 's myaccount access.com ). 

XXXX XXXX " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular Experian and XXXX. Thus, my FICO score " dropped '' by at least 20 points. This is NOT a isolated incident by XXXX XXXX- there are many willful and criminally motivated FCRA violations. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ----

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 2022-03-05 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: NJ

Complaint narrative:
I called, emailed and sent letters out to the credit bureau disputing these fraudulent activities and nothing has been removed. I asked them to remove because it's fraudulent activity that was never authorized by me. Nothing has been done. 

Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. Never authorized by me. 

XXXX is reporting XXXX XX/XX/XXXX XXXX/XXXX/XXXX and XX/XX/XXXX NEVER authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I keep receiving phone calls from number XXXX, they say they are from Synchrony Bank, trying to collect a debt from 2 credit cards which I don't owe anything.

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 2022-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
( XXXX XXXX XXXX  XXXX XXXX willfully misreports my " current correct address '' to all credit bureaus XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX  XXXX XXXX willfully misreports my balance of my credit card and allows unauthorized charges to be charged to my credit card, in spite of many warnings ( XXXX ) XXXX did not remove the unauthorized inquiry from in spite of many warnings

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 2022-03-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
( XXXX XXXX XXXX XXXX XXXXXXXX willfully misreports my " current correct address '' to all credit bureaus XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX willfully misreports my balance of my credit card and allows unauthorized charges to be charged to my credit card, in spite of many warnings ( 3 ) Experian did not remove the unauthorized inquiry from in spite of many warnings

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 2022-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Closed account with XXXX, returned their equipment with my forward address after my home sold in XXXX  and left XX/XX/XXXX for XXXX XXXX XXXX  mailed me a bill for for {$110.00} for 6 days services in my new residence in XXXX XXXX. 
Billing explained to me I was liable for the whole amount even when I only used the services for 6 days into the billing cycle. 
Communication with a supervisor in XXXX couple months later told me that I did not had to pay the full amount and ( XX/XX/XXXX ) of {$110.00} would satisfy the debt and it was agreed to pay {$27.00} which I send them a check. 
In XXXX XXXX  try to collect again using a collection agency and upon my providing all prudent information collection agency dropped their collection effort. 
Apparently XX/XX/XXXX XXXX turn the " debt '' to a different collection company if an effort to collect {$86.00}

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 2022-03-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's XXXX, Equifax $ XXXX XXXX XXXX {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's XXXX, Equifax and XXXX. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: PA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX has Failed to show many any proof. Who conducted the Investigation? XXXX XXXX BANK Is being incorrectly reported on my XXXX credit Report

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 2022-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
We were on a covid 19 forbearance for 6 months in XXXX we sent in a request for an 180 day extension the request was denied we requested again and again denied. No notice was given that our house was going to a sheriff sale until I received a letter stating that my house was sold on XX/XX/2022 that letter came on XX/XX/2022 so was this some sort of secret sale because I have done alot of research and can not find anything about this now or in the past so if Rushmore Loan did this they did it in secret or this other person is lying who sent me the letter. We should have received the 180 day extension but were denied. Also a couple of questions that Rushmore has not answered. My brother XXXX who was responsible for the loan past away a few years ago I notified them they bought the mortgage from XXXX  without knowing this I told them my wife and I are current residents and homeowners for this property my brother had mortgage insurance in case something happened to him this was part of the original mortgage but after he died they said XXXX  there was none I still have the original mortgage showing it was apart of it so my brother always thought it was there so something happened to it without anyone 's knowledge or approval also at the time my brother signed the mortgage there turned out that there was no equity so my brother was going to walk out however XXXX gave him a {$10000.00} side loan which he later told me he felt pressure to do and sign to get the mortgage I do not know what to call that type of lending practice. I am almost XXXX XXXX XXXX this was my family home so I know that it is my death sentence if I have to go homeless I have asked for our 180 day extension and maybe as things get better we can work something out. Thank you for your time and being there to help. I think this was a FHA loan but I know it was a government backed loan also I have the documents showing the side loan even the folder it came in labeled side loan. THIS IS A COPY OF THE ORIGINAL COMPLAINT XXXX, FILED XX/XX/2022.

Company response to consumer: Closed with explanation