vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reached out to the XXXX company and to the credit bureaus for the late on my report that is incorrect. I received a response from the bureaus that it was deemed correct. And i am asking that the last 30 days late be removed from the report. The late was XXXX XXXX, and also XX/XX/19.

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reached out to the XXXX company and to the credit bureaus for the late on my report that is incorrect. I received a response from the bureaus that it was deemed correct. And i am asking that the last 30 days late be removed from the report. The late was XXXX XXXX, and also XX/XX/19.

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting any lates on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report ; list of accounts and spreadsheet. ) XXXX XXXX XXXX out of XXXX, Georgia is currently in a class action lawsuit for not keeping promises made to students. They guaranteed they would assist in finding work after graduation, providing externships, and if needed, the college would provide additional education. I never received my Certificate for completing the program and the college has since lost its accreditation, has been closed, and consequently my education is completely worthless. ( I have attached one of numerous articles relating to the misrepresentation from the college for reference. ) I have on multiple occasions tried to reach the college however, the office is closed and there is no forwarding telephone number or address. The false reporting of lates on these student loans is seriously harming my credit score and these line items need to be removed from my credit report. I have also tried contacting the bureaus to remove this however, I have not been successful.

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting any lates on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report ; list of accounts and spreadsheet. ) XXXX XXXX XXXX out of XXXX, Georgia is currently in a class action lawsuit for not keeping promises made to students. They guaranteed they would assist in finding work after graduation, providing externships, and if needed, the college would provide additional education. I never received my Certificate for completing the program and the college has since lost its accreditation, has been closed, and consequently my education is completely worthless. ( I have attached one of numerous articles relating to the misrepresentation from the college for reference. ) I have on multiple occasions tried to reach the college however, the office is closed and there is no forwarding telephone number or address. The false reporting of lates on these student loans is seriously harming my credit score and these line items need to be removed from my credit report. I have also tried contacting the bureaus to remove this however, I have not been successful.

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 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
I received a VM from XXXX stating they were trying to get hold of me for a debt and will settle for 50 % off if I call right now to a different number XXXX. I did and a rude woman told me she was with XXXX XXXX and was calling on behalf of Juniper Bank for a debt. I once had a debt with this bank 12YEARS ago and the statute of limitations has surely expired by now. I tried to work with Juniper all those years ago and they would not, so I gave up. Now 12 years later I get constant phone calls from this XXXX never from the same blocked number. Always from a bogus number my phone does not recognize as blocked. I have told them to stop calling me on a statute of limitations expired debt, but they keep calling me. I have had to change my numbers numerous times now because they just continue to call. It is to the point of total harassment by them XXXX and Juniper Bank and it needs to STOP. I have contacted you before about this same company!!! Also I never confirmed who I was to this woman I called at the XXXX number, but she gave out information anyway not knowing I was whom they were even looking for. She only knew who I was by her caller ID showing my number they keep harassing me on.I heard I can start charging this company money and wish to do so If I can.

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This company reported through two different credit bureau 's on XX/XX/2020 that I owed {$190.00}. 
I.C. SYSTEM, INC ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX MN XXXX I called them on XX/XX/XXXX to try and figure out who I owed as they are a collection agency. I took several calls to try and understand if it was my debt and finally figured out it was and I paid off the debt over the phone via check. 

XX/XX/2020 ORIG CO NAME : I.C. SYSTEM ORIG ID : XXXX XXXX DATE:XXXX20 CO ENTRY DESCR : XXXX XXXX XXXX : TEL TRACE # XXXX XXXX XXXX ID:XXXX XXXX NAME : XXXX ACH debit {$190.00} This collection agency went back and put another report on XX/XX/2020 XXXX  and XXXX XXXX that it is still not paid. I called them and they said that I needed to dispute the charges with the 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 2020-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I purchased a practice drum kit from Guitar Center online on XX/XX/2020 using the Guitar Center credit card.I got an email from XXXX on XX/XX/2020 that it was delivered but when I checked my porch nothing was there. I checked my Ring doorbell and nobody came on my porch. I contacted XXXX to report that the item was delivered to the wrong address but they said I had to call the shipper, they wouldn't talk to me. 
I called Guitar Center and reported the issue, XXXX XXXX XXXX said he would open an investigation with XXXX and he sent me an email. About 10 days later I sent an email to Mr. XXXX for an update but never heard back. I called Guitar Center and the rep said " XXXX claimed they spoke to me and located the drum kit '', that was is not true.I was never contacted by XXXX. I directed the rep to look up the tracking number with XXXX where it clearly reads '' under investigation '' and he said he could see that so he opened another investigation. I contacted Guitar Center today by CHAT to get the status and the rep said the same thing, XXXX says they spoke to me but the never contacted me. I directed him to look up the tracking number and he saw hat it is still being investigated. Then he told me he would have to respond to me by email. That was over 4 hours ago and I still haven't heard from him. My credit card payment is due and I am not going to pay for something I didn't receive but Guitar Center is ignoring the situation.

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 2020-06-17 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: CA

Complaint narrative:
the accounts I listed are fraud

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 2020-06-17 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: MS

Complaint narrative:
IM IN THE PROCESS OF BUYING A HOME. AS I WAS AT THE BANK THE LENDER TOLD ME THAT THE FIRST STEP WAS TO PULL MY CREDIT TO SEE WHAT TYPE OF LOAN I WAS ELIGABLE FOR. THE LENDER REVIEWED THE REPORT WITH ME AND FOUND ONE DEROGATORY ITEDM AND SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. THERE IS A CHILDSUPPORT REPORTED ON MY CREDIT AND IT SHOWS THAT THE ACCOUNT IS CLOSED AND PAID FOR BUT IS NOT MINE. PLEASE REMOVE THIS FRAUDULENT CLOSED ACCOUNT FROM MY REPORT AND INQUIRIES THAT I HAVE NEVER MADE 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 2020-06-17 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: MS

Complaint narrative:
IM IN THE PROCESS OF BUYING A HOME. AS I WAS AT THE BANK THE LENDER TOLD ME THAT THE FIRST STEP WAS TO PULL MY CREDIT TO SEE WHAT TYPE OF LOAN I WAS ELIGABLE FOR. THE LENDER REVIEWED THE REPORT WITH ME AND FOUND ONE DEROGATORY ITEDM AND SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. THERE IS A CHILDSUPPORT REPORTED ON MY CREDIT AND IT SHOWS THAT THE ACCOUNT IS CLOSED AND PAID FOR BUT IS NOT MINE. PLEASE REMOVE THIS FRAUDULENT CLOSED ACCOUNT FROM MY REPORT AND INQUIRIES THAT I HAVE NEVER MADE 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 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I ran my credit report in XXXX and noticed a charge off account I did not open. I called the number on the report and was told it was a PayPal credit card. The woman on the line could not find an account for me so I disputed the charge with the three credit bureaus. The dispute came back with the bank saying it was valid. I called Synchrony Bank and discovered they had opened a credit card account in on XX/XX/XXXX using a name I have not had since XXXX and an address I have not lived in since XXXX. They refused to take my fraud complaint unless I gave them my new name and correct address to allow them to correct the information on the fraud account. I asked them to please close the fraud account and tell me how it was opened. They refused. I asked to have it escalated to a manager she refused to note the account as a fraudulent account. I asked to be escalated again and they hung up on me. I am not able to refinance my mortgage because they continue to report this account as past due every month with a balance that is increasing by {$2.00} each month. The account was opened with a {$1500.00} limit and now reporting a past due balance of {$40.00} due to some time of $ 2 monthly charge. I have never received a credit card and believe they must have opened a card in my former last name and sent to the address where I used to live. I never requested this card.

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 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
This dispute is against XXXX XXXX. The account was opened XXXX XX/XX/2015 in the amount of {$2300.00}. 

I am a victim of fraudulent activity. In XXXX, I went to purchase the XXXX XXXX XXXX pendant. I never received the item and recently discovered the company targeted XXXX XXXX  with this promotion. I never received the item in which I am being penalized for. I attempted to contact XXXX XXXX. They have since been shut down due to identity theft and fraudulent activity following an investigation regarding matters the same as the one I am currently reporting. I contacted the debt collection agency and they referred me to a liaison from XXXX XXXX. The mailbox for said liaison is full and I have not been able to get in touch with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXEmployment information** _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries** XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A _XXXX XXXX Inquiry : XXXX XXXX, XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
XXXX XXXX Inquiry : XXXXXXXX XXXX, XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not belong to me. Delete it!!!

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX*Employment information** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries*XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A XXXX  XXXX Inquiry : XXXX XXXX, XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
XXXX XXXX XXXX : XXXX XXXX, XXXX This account is not belong to me. Delete it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CA

Complaint narrative:
the accounts I listed are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Opening an account with XXXX XXXX XXXX. Trying to link that new account with my PNC Checking Account and the program says that PNC has made a change and I am having difficulty linking the two accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
2 JPMCB CARD accounts opened up several years ago keep reporting negatively on my report. i do not have this card nor have i ever had this card. it is not fair they keep reporting negative items. therea 60 items for both of them. this needs to be fixed i have tried many times to correct this.

Company response to consumer: Closed with explanation