vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have reached out to experian a number of times to get my information on my credit report corrected. I am tired of going back and forth to have correct information updated and removed that is inaccurately reporting. 

There is a bankruptcy that is inaccurately reporting that needs to be removed. I have attempted several times to have the information removed and have yet to have it corrected. I know the information is not reporting with XXXX XXXX like XXXX  advises time after time in letters sent. XXXX XXXX does not have any record of a bankruptcy an this information needs to be removed from my public record sections. 

I also have inaccurate inquiries reporting that need to be removed I did not apply for credit these are inaccurate. I am not going to the creditors to ask for removal since I never applied XXXX  is reporting and XXXX  needs to remove the following inquires XXXX XXXX/XXXX XXXX Comp XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX  Mortgage XXXX XX/XX/XXXX XXXX : I have disputed the following inquires with XXXX and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  Mortgage XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Trans Union I have disputed the following inquires with TransUnion and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly TransUnion is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XX/XX/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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have reached out to experian a number of times to get my information on my credit report corrected. I am tired of going back and forth to have correct information updated and removed that is inaccurately reporting. 

There is a bankruptcy that is inaccurately reporting that needs to be removed. I have attempted several times to have the information removed and have yet to have it corrected. I know the information is not reporting with XXXX XXXX like XXXX  advises time after time in letters sent. XXXX XXXX does not have any record of a bankruptcy an this information needs to be removed from my public record sections. 

I also have inaccurate inquiries reporting that need to be removed I did not apply for credit these are inaccurate. I am not going to the creditors to ask for removal since I never applied XXXX  is reporting and XXXX  needs to remove the following inquires XXXX XXXX/XXXX XXXX Comp XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax Mortgage XXXX XX/XX/XXXX Equifax : I have disputed the following inquires with Equifax and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly Equifax is the ones reporting and the ones that need to make a corrections to these fraudulent inquires Equifax Mortgage XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have disputed the following inquires with TransUnion and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires Equifax XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Phoenix Opened XX/XX/XXXX + {$1400.00} +Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Phoenix Opened XX/XX/XXXX + {$1400.00} +As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report 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 2021-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello, TD bank services the XXXX  & XXXX store card. They sent a statement to the wrong billing address after it was supposed to be updated at the store to my new address XXXX XXXX XXXX in XXXX they called to collect, I paid more than the minimum as I was unaware payment was due because they sent the statement to the wrong address. In XXXX they failed to change the address saying there was no change request even though it was on a recorded line that my address needed to be changed. They are charging an additional {$29.00} after sending another statement to the wrong address. It is not my fault that TD failed to send me a statement when I told them they needed to change this in XXXX of 2021

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16 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: NY

Complaint narrative:
Sent Equifax multiple letters on XX/XX/2021 to rectify and remove negative reporting accounts. Per FCRA its been over 30 days and they have not responded. In this case Equifax has to remove all negative reporting accounts per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
Company : Transworld Systems Inc. 

Issue : Delinquent debt of {$280.00} negatively impacting my credit report found while attempting to gain security clearance for a XXXX  job. Credit Report shows account opened in XXXX. I have no idea if I owe this debt. I attempted to call the number for this company on my credit report. 

Incident : XX/XX/XXXX, XXXX XXXX  - Called phone number on credit report to resolve issue, on hold for 38 minutes, when agent finally answered, I could barely hear her due to crackling and language barrier. After repeating for clarification multiple times and agent becoming aggressive because I could not understand her, it was determined that I could not verify amount of debt owed, what debt was for or any other information unless I gave her a credit card number. Supposedly, upon submitting cc info, I would receive a verification code then they would supposedly verify the debt owed. I refused to comply as this appears to be a scam. I have never had to give credit card information to retrieve account or payment owed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to Covid-19 forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have a late payment on my report, I want removed because I am a victim of Covid-19 and legally should not have them there.

Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I failed victim to a phone scam. Minutes later I realize that I was taken for a loop, I immediately placed a whole on my bank account. I contacted PNC Bank told them what happen and they put a hold on my account-within a hour. I went to the bank in person the next day and explain the situation. Explained the scam and told them that I didn ; t want to go through with the any transaction from the following day, They told me all transactions from the next day will be stopped and disputed, We where insured that everything was caught in time and all accounts will be closed. 

4 days later, PNC process five of the transactions that we told was a scam. This totally over {$6900.00}. We told them that they were fraud transaction and asked not to process them. Why would the be process. 

The PNC bank state that the dispute is denied. 

We need help getting our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: IL

Complaint narrative:
Dealing with Sallie Mae First Sallie Mae combined my FICO score of over XXXX with my son 's FICO score of XXXX. 
I am paying usury rates of 8.25 % Auto debit has been set up since inception of this account On XXXX made what I thought was a principle only payment of {$2500.00}. 
On XXXX made what I thought was a principle only payment of {$260.00}. 
On XXXX spoke with Sallie Mae customer service. 
Was informed that all payments made would have interest deducted before principle. 
Was informed that it was impossible, due to how Sallie Mae writes their loans, to make a principle only payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX 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 DDUpon 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 Days Late | {$200.00} past due COLLECTIONS XXXX Opened XX/XX/XXXX + {$2400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$1400.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX 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 non-monetary relief
Consumer complaint received 2021-06-16 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a payment for the full amount of balance, which cleared my bank. However only part of my credit limit was available after it was cleared. When I was looking over the website for the terms and conditions, nothing is posted related to the hold. Upon calling customer service, the informed me that was in the XXXX XXXX XXXX, I asked where, as their website has nothing posted about the available balance being lower than payment made. The two reps indicated that it was because it was due to a large payment and they were waiting payment to clear, which does not make sense, as my payment was cleared by my bank and not showing as pending. The supervisor indicated the XXXX XXXX XXXX and would be sent to my address after pointing out that they were not indeed listed where a customer can clearly find them.

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 2021-06-16 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: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I informed the company that I did not apply for a loan of no sort and that I am a victim of identity theft. The company then assume that I gave permission over the phone for a nephew to cash a check or get the loan in my name. First of all, I am not going to give anyone permission to use my credit being a victim of identity theft and over the phone id definitely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX 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 DDUpon 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 Days Late | {$200.00} past due COLLECTIONS XXXX Opened XX/XX/XXXX + {$2400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$1400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX 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