vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a XXXX year old XXXX  at XXXX XXXX. Today, I wanted to check my credit score after  building up credit over time on my XXXX  credit card and wondering why my score kept going down. I learned in XXXX XXXX XXXX that TransUnion is one of the credit bureaus that offers a free annual credit report, so I went to their website to get it. I clicked " Check your credit report '' and signed up, thinking it was free. When I had to input my credit card information, I did a XXXX search because I thought that was strange. I searched " why does TransUnion ask for credit card information '' and the first result that came up was FROM TransUnion, saying " we ask for credit card information to ensure that the billing address matches the address you listed when signing up. '' There was NO mention of a product or service that I was signing up for whatsoever, and even the disclaimer was extremely unclear. While reading everything written on the page, I thought I wasn't going to be billed. Then, once I checked my crdit report, I saw a {$25.00} charge to my credit card. 

This is absolutely ridiculous. TransUnion is preying on people who don't know better than to fall for their " free '' credit report scam. They know exactly what they're doing taking people 's money, and even going to XXXX, studying XXXX, and taking a XXXX XXXX   XXXX didn't stop me from falling for this. Please hold TransUnion accountable.

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 monetary relief
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: IL

Complaint narrative:
In XX/XX/2020, XXXXXXXX reported me as deceased to credit bureaus. I disputed with XXXX and credit bureaus. XXXX is refusing to remove account status as close due to consumer deceased. I have submitted 3 disputes. Dispute dates XX/XX/2020 resulted in XXXX  stating the deceased comments would be removed. Then XXXX sent a letter stating the deceased information was verified and updated. I am not deceased and the account never closed. XXXX said all information has been corrected yet current report for TransUnion and XXXX shows this account as closed due to consumer deceased. XXXX  has updated and corrected data. Creditors and bureaus are violating my rights under FCRA. No agency is reporting me deceased. The account is active and Ive received a credit limit increase. Ive checked with SSA. I have spent money submitted documentation to these bureaus and creditor.

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 2020-08-03 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$5400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$5400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Re XXXX I have uploaded copies of credit report from XXXX and XXXX showing proof that you didnt enter consumer dispute meets FCRA requirements the law is clear you must and shall do this or this information has to be deleted. See dates at top right hand corner of each reports for both accounts chase I have more credit reports that goes back to XXXX Please see XXXX  XXXX  and XXXX XXXXeports for physical proof and violations. I dont want to take legal actions but I will because you have violated the law and I will refused for you to hold my head underneath the water any longer Im sorry but true

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: CA

Complaint narrative:
Transunion has taken 20 points from me for an account that I closed, which was in good standing and fully paid off. The account is too old to effect my credit score, because its past 10 years old. All of a sudden, XX/XX/XXXX, they took 20 points from me because I had an account closed. I filed a dispute and they " removed it from my credit score '' but never gave me the 20 points back. I disputed it again. This time transunion said I disputed my Mortgage instead of the account I was having problems with. Once the dispute came back as correct, my credit score dropped yet again. After this, I disputed again. This time transunion went into a different account once more and again the information came back, which dropped my score again. I tried calling transunion and speaking with two different people, yet neither one of them understood the above information. Instead of taking care of their mistakes, they kept repeating theirselves " credit is calculated by a number of factors ''. The problem is my credit score keeps dropping because of their mistakes and they won't fix them. XXXX  has an accurate score, while transunion just slaps whatever they feel.

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 2020-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I received a Data Breach letter from Morgan Stanley stating that my personal information had been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Management Services, Inc.
State: MS

Complaint narrative:
I made a phone call on today XX/XX/2020 to Specialized Management to find out information about this bill and to try to verify if they had made attempts to contact me regarding the bill, because I never received any type of letter or anything notifying me of the collection. I was only notified of the collection because I saw the negative account placed on my credit reports. I spoke with two representatives ( the first was named XXXX, and the second was XXXX ), both who were rude and would not give me the correct information on what means they used to try to contact me. Neither of them gave me an opportunity to explain that I was calling to attempt to get information on the bill to validate the debt was mine, and if it was, I wanted to to settle the debt, and negotiate to have it removed from my credit report. I have had issues and filed a complaint on this same debt collection company before, because of their tactics, and I feel as though they remember my name, and that I filed an earlier complaint with the CFPB, and are resorting to retaliation. When I filed the initial complaint the owner of Specialized Management, XXXX XXXX, contacted me by phone and claimed that it was a misunderstanding and that he would like to settle any issues I had due to the treatment I received then, and now again, I am being disrespected and they are refusing to answer my questions. I feel as though our prior dispute, caused them to just try to negatively affect my credit, rather than contacting me about the bill. XXXX even pulled up an account during the call and gave me the wrong address as well, so I again I wanted validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One retaliated against me because I filed a complaint ( # XXXX ) about fees they were charging on a credit card that had been paid off. They took the fees off, but added a derogatory note to my credit report that the fees were paid under an emergency fund or something, that caused my score to drop 21 & 23 points within 24 hrs of XXXX XXXX- XXXX XXXX. This is inaccurate, unfair and I want this corrected immediately. I have worked hard to rebuild my credit after many trials and tribulations and I am not going to allow greedy, scheming corporations like Capital One get away with doing this. This is wrong! Who holds these people accountable for things like this????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXXXXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX, a charge of {$10000.00} was made on my Regions credit card from the company XXXX XXXX. I never signed any receipt for this charge, and i never received any products or services from this company.

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 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Law LLC
State: TX

Complaint narrative:
In XXXX of XXXX I was sent a letter stating that I owed a debt to " XXXX XXXX XXXX XXXX '' This debt was not mine and after speaking with a representative from XXXX XXXX   they could not verify why I was being contacted in regards to this debt. I spoke with the contact person for XXXX XXXX XXXX and explained to them the situation. After over an hour on the phone they told me that my dispute had been registered and that I would no longer receive any communications regarding this supposed debt. 

There is nothing that ties me to this supposed XXXX  XXXX  account other than my name. I have not lived in the state that the supposed package was shipped to and have never been to this state in my life. 

Today, XX/XX/XXXX of XXXX, I received a letter from XXXX XXXX XXXX in reference to the same charges from " XXXX XXXX XXXX. '' This is not my debt and I will be sending XXXX a written letter stating as such. However I would like my complaint to be filed so that I have recourse if XXXX does not accept my refutation of the debt as valid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$500.00} XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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 AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-08-03 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: AR

Complaint narrative:
.I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXXXXXX {$2100.00}

Company response to consumer: Closed with explanation