vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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:
XXXX XXXX used an old Synchrony bank Furniture account for value city. What type out the call in XXXX of 2020 that they were delivering furniture her I called immediately I told value city about it in a told synchrony bank about it in one she failed to start paying it in XXXX and XXXX when I might credit report they told me they had removed me. When I saw on the credit report I disputed immediately but they only took off XXXX they never took off a XXXX it hurts my credit report for something that head I had nothing to do with 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 2021-05-06 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: MN

Complaint narrative:
I applied for and funded a secured credit card on XX/XX/2021. I paid the fee XX/XX/2021. I used the card and paid the balance of {$61.00} on XX/XX/2021. However the company is reporting a balance of {$61.00} and my credit score has dropped as a result. 

The website says the balance will not change until XX/XX/2021. Apparently they closed my statement date not 30 days after receipt of the card, but on XX/XX/2021. They do not report current information. It will change XX/XX/2021. 

I will close this account since apparently it will not help me establish a payment history. Rather it will establish a balance carried since it does not report payments and balances current as of the date of inquiry.

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 2021-05-06 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: GA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
This charge was taken off one credit bureau XXXX. The company radius global is a collection agency. Didnt remove it from the XXXX  or XXXX. It is not my debt. They have an address on all 3 bureaus that does not belong to me. Never lived there and they wont remove that either. Ive sent disputes on this. This is XXXX XXXX last 4 of account XXXX. Thank you for any help.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For years I've been disputing addresses, inquiries, balances, accounts, and collections with proof. The credit bureaus have ignored my certified letters, long before covid. Now its almost impossible getting them on the phone. For instance every single time I dispute nonpermissable inquiries the credit bureaus respond simply by saying the inquiries are 'factual ' ... I thought the burden of proof are on the bureaus? I also disputed the inquiries with the creditors ... they just point to the credit bureaus. Lets see what the Consumer Financial 'Protection ' Bureau does ...

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 2021-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I accordance with the federal fair credit reporting act. The following hard credit inquiry needs to be removed from my credit report. Due to the fact it's over the two year mark XXXX XXXX Inquiry from XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I paid the creditor XXXX XXXX for two debts I owed to the companies in XXXX, 2021. I disputed this with all three credit bureaus. I disputed with XXXX two times with satisfaction of judgment letter from the creditor owed ; however, XXXX investigators concluded the amount owed to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Synovus Bank
State: FL

Complaint narrative:
I was sick with XXXX and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/XXXX I entered into a payment plam agreement with Old Navy. I was told that, after completing the plan, I would still be able to use my Old Navy credit card. This was during the the time period where consumers were getting grace due to COVID. I successfully completed my payment plan. In XX/XX/XXXX, I tried to make a {$70.00} purchase and was declined. When the cashier looked into the reason for this, she was told that my card was closed and I would have to reapply. I should not have to reapply for a card for which I had fulfilled a payment agreement.

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 2021-05-06 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: FL

Complaint narrative:
I was sick with XXXX and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?

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 2021-05-06 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: FL

Complaint narrative:
I was sick with XXXX and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
I was sick with XXXX  and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
I have two collections on my account, one is for XXXX $ an the other is for XXXX , both collections Ive tried to dispute as well as Ive tried contacting the office about the collections on my credit and they were extremely rude, couldnt answer any questions and they eventually hung up on me. I tried to dispute these around the end of XXXX. 

I have no clue nor knowledge of every going any where near or talking to anyone from a XXXX XXXX XXXX. 

Id like to have them removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX ... XXXX  XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the XXXX bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: VA

Complaint narrative:
My son and I share the same name, XXXX XXXX. On XX/XX/XXXX of 2020 his XXXX  Bill XXXX cable ) acct # XXXX at address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX went into collections for approx {$290.00} in past due charges. This collection amount was erroneously reported on my credit report. I have disputed with equifax and the investigation was not resolved, I have contacted XXXX  on numerous occasions, we have been able to verify the account was opened under my sons SSN and that my account balance is XXXX  for my services but XXXX  and the debt collection company have not removed the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXX, I received a letter from Synchrony Bank asking me to sign a paper that would give them consent to access my information with the Social Security Adminstration for 90 days. They stated that failure to grant them this permission within 30 days from the date of the latter would result in the closing of my JC Penny, XXXX and PayPal accounts. I feel this is seriously crossing a privacy line to request this level of personal information access. There are no payment problems with these accounts. I make payments bi-weekly.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For years I've been disputing addresses, inquiries, balances, accounts, and collections with proof. The credit bureaus have ignored my certified letters, long before covid. Now its almost impossible getting them on the phone. For instance every single time I dispute nonpermissable inquiries the credit bureaus respond simply by saying the inquiries are 'factual ' ... I thought the burden of proof are on the bureaus? I also disputed the inquiries with the creditors ... they just point to the credit bureaus. Lets see what the XXXX XXXX 'XXXX  ' XXXX does ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This is not my debt. I have tried to get this resolved for the last 5 years to no conclusion. It looks like the debt os from a doctors office once I do a XXXX search that i have never been to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2021 I paid the collection agency Sequium Assets for an account with a balance of {$710.00}, open date XX/XX/2021 and the original creditor being XXXX XXXX This account was since updated and closed on my credit report. On today XX/XX/2021 this same information was ILLEGALLY REINSERTED onto my credit report with that same balance and same date only difference is its a new agency called Focus Receivables Management. This was done without my knowledge or consent and without any prior notification. This is AGAINST THE LAW and NOT IN COMPLIANCE with the rules and regulations set forth by the FCRA. This derogatory information needs to be REMOVED from my credit report IMMEDIATELY or I will be forced to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
On the XX/XX/2020 a XXXX Bank transfer was made from my Bank in XXXX of the amount of XXXX euros to a TD Bank XXXX XXXX DE XXXX XXXX. 
This initially i was led to believe was part payment to be made to the XXXX XXXX Department for the purchase of XXXX in XXXX. 
Despite several email attempts and numerous phone calls, i am unable to get them to respond. 
Those that arranged this Bank to accept this transfer and to whom was the money eventually sent to should be investigated as this strongly suggests fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
I have provided you all document of the illegality Of this account. 
Federal Trade Commission Report, XXXX XXXX XXXX XXXX XXXX IRS Identity theft report, XXXX XXXX XXXX XXXX Report, XXXX Police Report and EXPERIAN REFUSE TO REMOVED THIS FRAUDELENT AND Illegal ACCOUNT FROM MY REPORT I have provided all document to XXXX XXXX XXXX # XXXX Of the Illegality of this account and they refused to removed from my record in my 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 explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a CARE 's act third stimulus federal payment in XXXX. Capital notified me that they would debit {$83.00} out of my account as part of the payment. I never agreed or had the option to contest this payment to the bank either verbally or in writing. Also, I signed nothing within the initial contract when I opened the checking account, allowing the bank to draft the {$83.00} without my consent. On XX/XX/XXXX, the money was drawn out of the account, overdrawing my account and the bank collecting potentially {$37.00} 's on each overdraft fee. When I called their customer service, they claimed that they would not work with me regarding another option or provide a temporary credit to my account to bring it back into the positive and stated that I could file an internal complaint which would take 30 days for the bank to respond to from there management.

Company response to consumer: Closed with non-monetary relief