vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 2020-01-13 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: PA

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft company or organization XXXX  card account number XXXX date that I discovered it XX/XX/2019

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 2020-01-13 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-13 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have my credit frozen with XXXX, Equifax, & XXXX  to protect myself against identity theft because my info was breached in the Equifax breach and the fed government info breach several years ago. I went to thaw my credit with all 3 credit bureaus via their respective websites and only XXXX  asked me for the unique PIN to thaw my credit. Both Equifax & XXXX did not ask me for my PIN and did not ask me any out of wallet questions beyond my SSN, address, & DOB before letting me thaw my credit with their bureau. This is distressing to me because any of that info would have been included in their data breaches and the PIN is supposed to protect me even though my other personal info is out there. I asked Equifax about why I wasn't asked for my PIN and they said it is company policy to no longer require the PIN to thaw consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently while checking my credit report I discovered that there are several inquiries on my report that were not authorized. This is a request for proof of contact to these companies authorizing them to run a credit report on me. Please provide me with a certified copy of any documents where I authorized the following companies to run a credit report on me : XXXX  XXXX XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX   XX/XX/2019 XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XXXX  XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XXXX  XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXXXXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently while checking my credit report I discovered that there are several inquiries on my report that were not authorized. This is a request for proof of contact to these companies authorizing them to run a credit report on me. Please provide me with a certified copy of any documents where I authorized the following companies to run a credit report on me : Equifax XXXX XXXX Bank XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX Auto Finance XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX Auto Fin XX/XX/2019 Experian XXXX XXXX  XX/XX/2019 Experian XXXX XX/XX/2019 Experian XXXX/XXXX  XX/XX/2019 Equifax XXXX XX/XX/2019 Equifax Fcc XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XX/XX/2019 As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
My vehicle was claimed to be a total loss. After XXXX paid my lien holder there was an outstanding balance that Ally Financial was supposed to pay to finish the payoff of my vehicle. After Ally Financial paid their part there is still an outstanding balance of {$380.00} ( 0.05 daily interest rate ). When I called Ally Financial they told me ( XXXX ) that the way they determine the payoff is NOT BASED ON WHAT THE LIEN HOLDER SAYS but rather they calculate based on my payment history. First : My payment history shows that I didn't only pay my monthly payment but I also paid additionally towards the principle. 2nd : I had 1 deferred payment during the life of the loan and Ally Financial informed they are not responsible for that amount and I didn't dispute it so I went ahead and made a {$700.00} payment. 3rd : I  asked the lien holder ( XXXX ) if my deferred payment effects in anyway the accurate payoff and she stated " ABSOLUTELY NOT ''. I called Ally Financial on XX/XX/2020 at approximately 1330 Hours and spoke to XXXX I informed him of the situation but he stated he couldn't help me I then asked to speak to a Supervisor, he placed me on hold and when he returned he told me that the Supervisor couldn't speak to and transferred me to the Supervisor voice mail ( XXXX ). I left XXXX a message in detail explaining the situation and asked him to call 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 2020-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I had went into a dealership in XXXX Texas XXXX XXXX XXXX XXXX. The dealership got approval and I was going into dealership next day to sign paperwork. After I got to dealership, the bank rescinded deal. They stated that I had a charge off account with them. I have contacted the bank but no one can seem to help with find this past account. I even offered to add that into the loan I was approved for. I'm not sure what happen or if I even had a loan with this bank but something is not right.

Last 4 SSN : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like my fraud alerts removed

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 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 I am required to recieve text on phone I am talking on This requires hand action to get out of calls & into texts then back into calls USAA IS NOT XXXX ACCESSIBLE ON LINE is a NO ACCESS for me also I AM TOTALLY COMPLETELY UNABLE TO ACCESS MY BANKING I used to be able to contact by phone but a hostile rep removed that option for me after my last call in RETALIATION I am unable to make payment or access any banking with USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have my credit frozen with Transunion, XXXX, & XXXX  to protect myself against identity theft because my info was breached in the XXXX   breach and the fed government info breach several years ago. I went to thaw my credit with all 3 credit bureaus via their respective websites and only XXXX  asked me for the unique PIN to thaw my credit. Both XXXX  & Transunion did not ask me for my PIN and did not ask me any out of wallet questions beyond my SSN, address, & DOB before letting me thaw my credit with their bureau. This is distressing to me because any of that info would have been included in their data breaches and the PIN is supposed to protect me even though my other personal info is out there. I asked XXXX  about why I wasn't asked for my PIN and they said it is company policy to no longer require the PIN to thaw consumer credit reports.

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 2020-01-13 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like my fraud alerts removed

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like my fraud alerts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: FL

Complaint narrative:
My employer was contacted about a wage garnishment via Apex Servicing, stating that they represent XXXX XXXX. They informed HR that a loan was taken out and not repaid, so written notice was sent to me and that I acknowledged the garnishment. The issue is that I never heard of Apex Servicing in my life, never received a written notice about a garnishment, so I was very confused when this Apex contacted my employer. I decided to do a XXXX search of " Apex Servicing '' and what I found was infuriating ( see below from XXXX XXXX XXXX  ) XXXX warns Washington consumers : -Apex Servicing is not licensed as a collection agency by the Washington XXXX Department of Licensing ( DOL ) . Apex Servicing is not registered to conduct business in Washington State by the XXXX, the Department of Revenue, or the Secretary of State. 
XXXX XXXX is not licensed by the Department to conduct business in Washington XXXX. The Department previously issued a Consumer Alert about XXXX XXXX, a company asserting to be owned by the XXXX XXXX XXXX XXXX XXXX of the Stewarts Point Rancheria, a federally recognized XXXX XXXX. You can find this alert here : https : //dfi.wa.gov/news/alerts. 
XXXX XXXX is not licensed by the Department to conduct business in Washington XXXX. The Department has issued a Consumer Alert about XXXX XXXX, a company asserting to be owned by the XXXX XXXX XXXX of XXXX XXXX, a federally recognized XXXX XXXX. 

Not only did Apex Servicing try to sneakily force my employer to illegally garnish my wages, I was not sent notice to my home nor is Apex the lender in which I established a loan. 

I have not heard from XXXX XXXX about this situation, I figured this was the best way to receive an honest and true response. Please see below for supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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:
I WAS MADE AWARE OF A FEW ACCOUNTS ON MY CREDIT REPORT THAT I NEVER OPENED ; I FOUND OUT TODAY XX/XX/2020 WHEN I WAS DENIED FROM LEASING A CAR AT XXXX DUE TO HAVING POOR CREDIT. I WAS CONFUSED WHEN THEY TOLD ME I DIDNT QUALIFY BECAUSE OF MY CREDIT SINCE I HAVE ALWAYS MAINTAINED A GOOD CREDIT REPUTATION. WHEN I LOOKED THROUGH MY REPORT, I IMMEDIATELY NOTICED THAT NONE OF THOSE ACCOUNTS WERE OPENED BY ME. AFTER DOING MORE RESEARCH, I FOUND OUT THAT THESE ACCOUNTS BELONG TO SOMEONE NAMED XXXX XXXX. I DON'T KNOW WHO THAT PERSON IS NOR DID I GIVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS IN MY NAME. I HAVE ALREADY FILED A POLICE REPORT REGARDING THESE UNAUTHORIZED ACCOUNTS. I DID NOT BENEFIT ANYTHING FROM THESE ACCOUNTS NOR DID I EVER MAKE ANY PAYMENTS OR TRANSACTIONS USING ANY OF THOSE ACCOUNTS.

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 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/XXXX, I applied for an Apple Card as they offer 6 % cash back if I purchase something from Apple Store. And my application was approved. 

XX/XX/XXXX, Got a missed call from a Apple Card Specialist. 
My account was restricted and I couldnt use it. I tried to call back, the specialist told me my account is under review and someone will contact me once review completed. 

XX/XX/XXXX, No one contacted me. I called Apple Card customer service again and I got the same answer. My account is still under review for no reason. I missed the 6 % cash back offer. 

XX/XX/XXXX - XXXX XXXX, I have texted and called Apple Card Customer Service more than 20 times. They always gave me the same answer like a robot even hang up my phone sometimes. No one can give me solutions or reason why my account was restricted. I have never seen such ridiculous customer service before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: NV

Complaint narrative:
transunion refuses to remove invalid items from my credit report that does not belong to 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 2020-01-13 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:
I WAS MADE AWARE OF A FEW ACCOUNTS ON MY CREDIT REPORT THAT I NEVER OPENED ; I FOUND OUT TODAY XX/XX/2020 WHEN I WAS DENIED FROM LEASING A CAR AT XXXX DUE TO HAVING POOR CREDIT. I WAS CONFUSED WHEN THEY TOLD ME I DIDNT QUALIFY BECAUSE OF MY CREDIT SINCE I HAVE ALWAYS MAINTAINED A GOOD CREDIT REPUTATION. WHEN I LOOKED THROUGH MY REPORT, I IMMEDIATELY NOTICED THAT NONE OF THOSE ACCOUNTS WERE OPENED BY ME. AFTER DOING MORE RESEARCH, I FOUND OUT THAT THESE ACCOUNTS BELONG TO SOMEONE NAMED XXXX XXXX. I DON'T KNOW WHO THAT PERSON IS NOR DID I GIVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS IN MY NAME. I HAVE ALREADY FILED A POLICE REPORT REGARDING THESE UNAUTHORIZED ACCOUNTS. I DID NOT BENEFIT ANYTHING FROM THESE ACCOUNTS NOR DID I EVER MAKE ANY PAYMENTS OR TRANSACTIONS USING ANY OF THOSE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CA

Complaint narrative:
I WAS MADE AWARE OF A FEW ACCOUNTS ON MY CREDIT REPORT THAT I NEVER OPENED ; I FOUND OUT TODAY XX/XX/2020 WHEN I WAS DENIED FROM LEASING A CAR AT XXXX DUE TO HAVING POOR CREDIT. I WAS CONFUSED WHEN THEY TOLD ME I DIDNT QUALIFY BECAUSE OF MY CREDIT SINCE I HAVE ALWAYS MAINTAINED A GOOD CREDIT REPUTATION. WHEN I LOOKED THROUGH MY REPORT, I IMMEDIATELY NOTICED THAT NONE OF THOSE ACCOUNTS WERE OPENED BY ME. AFTER DOING MORE RESEARCH, I FOUND OUT THAT THESE ACCOUNTS BELONG TO SOMEONE NAMED XXXX XXXX. I DON'T KNOW WHO THAT PERSON IS NOR DID I GIVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS IN MY NAME. I HAVE ALREADY FILED A POLICE REPORT REGARDING THESE UNAUTHORIZED ACCOUNTS. I DID NOT BENEFIT ANYTHING FROM THESE ACCOUNTS NOR DID I EVER MAKE ANY PAYMENTS OR TRANSACTIONS USING ANY OF THOSE ACCOUNTS.

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