vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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: AR

Complaint narrative:
I was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. 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 2020-07-16 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: AR

Complaint narrative:
I was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. 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 2020-07-16 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: 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: EQUIFAX, INC.
State: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the Chase Freedom in the beginning of XXXX and was told that Chase needed more information before they determine their decision. They sent me a letter on XX/XX/2020 yet i did not receive this letter until XX/XX/XXXX. The letter wanted them to confirm my gross annual income by faxing two recent pay stubs to the phone number provided on the letter they sent. It stated " Fax to XXXX ; it's free from any Chase branch ''. It also said in the letter that i had only 14 days, from XX/XX/XXXX, to accomplish this. I went to my local Chase branch in XXXX XXXX California on XX/XX/2020 to fax my two recent pay stubs, I followed their directions and wrote the reference number on my paystubs. I did this within the 14 day period. I then called lending services that day to verify if they received my paystubs. They told me it take 7 business days to process this information. so i called Chase lending services on XX/XX/2020, they notified me that they never received my paystubs, I clarified to them that I followed their directions and went to my local chase bank, i wrote my reference number in clear handwriting and did this before the 14 day period, yet they still claimed to not receive my paystubs. The lending service told me i still had time to fax this information to them. so i went that day, XX/XX/XXXX, to my local chase bank in XXXX XXXX Ca and had them fax my paystubs again including the letter chase has sent me. I then called Chase lending services again to verify if they received my paystubs and again they said they have not received my paystubs, they then told me that i surpassed their 30 day period so my application is now archived and ill have to apply again, I was upset at this because i did my part, I followed the guidelines and directions given to me through this letter. I did it in a timely fashion, and now my application is not valid and they want me to apply again, which will inevitably hurt my credit score and might even mean that i have to start this whole process over. 

XXXX XXXX address and phone number : XXXX XXXX, XXXX, XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma 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.

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 2020-07-16 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: 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.

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 2020-07-16 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:
MY IDENTITY WAS STOLEN MY INFORMATION WAS USE TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NMAE WITH MY SSN AND MY PHOTO ID

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 2020-07-16 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my 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 2020-07-16 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my 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 2020-07-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3400.00} XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Dispute to Ford Credit - Late Payment Mark for XX/XX/2020 XX/XX/2020 I was hoping to have a late payment mark for XX/XX/2020 removed from my account to reflect positively on my credit score. I am a first responder whose wife works for a local business. As you can imagine we both have been extremely affected by the COVID-19 pandemic. We were married on XXXX XXXX2020 and bought a house at the beginning of this year. It has been a huge year for us, and we were hit very hard with financial problems as COVID took over -- - my wife has had her hours tremendously cut which put a large burden on us. We were extremely grateful for Ford allowing us 3 months of deferred payments, it helped tremendously. We called on XXXX XXXX2020 after we could not come up with the payment for XXXX and asked for one more month of extension and we were told we could not have an extension but we could schedule the payment for a later date, which would put our account in good standing. So, I scheduled the payment for XX/XX/XXXX, both me and my wifes next pay day. Today XX/XX/XXXX, I received a notice that our account is 30 days past due and that our credit score was affected. I called Ford and spoke to two representatives explaining this entire story, twice, who explained that even though it was scheduled, if it is 30 days past due there is nothing, they could do about it. I explained this information was not relayed to me this way, but I understood to keep peace. I just wish that the employee who helped me schedule the payment would have made me aware there may be a penalty. We have never missed a payment and we both have now found better financial stability as things are moving back to normal and we are confident this will never happen again. This is also my very first. late mark I have ever recieved and it hurt my score tremendously, which is extremely scary during these times. Ford will not budge at all. I even offered to pay two car notes to put me in good standing automatically and they  said it would not matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) have recently made multiple inquiries for new credit on my behalf. In addition, I have received phone calls from both companies stating that I am passed due on accounts that were opened with an address that is not even a real address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ). I want to be clear : I have NEVER authorized either of these companies to run my credit or open new accounts in my name. I have called both companies on 6 separate occasions to find the root of this problem and resolve it but their customer service representatives have been unable or unwilling to investigate it for me. These transactions were unauthorized and these businesses should be investigated immediately for fraudulent business practices. Please investigate this matter and correct the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed an error on one of my auto loan accounts with Experian twice and provided supporting documentation. The status of the account ended up being worse than the initial report and they said it was based on information provided by the creditor. The creditor has verified that have not provided any 60 day late information to the credit bureaus. Experian is disingenuous about the dispute process and refuses to correct the inaccurate information after several attempts.

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 2020-07-16 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: GA

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3400.00} XXXX {$3000.00}

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 2020-07-16 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: GA

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3400.00} XXXX {$3000.00}

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 2020-07-16 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover failed to inform me that my payments had been missed ( I had set up direct pay with them and automatic payment ). As a result, I was charged return payment fees, late fees, and interest on those fees, and finally my account was closed, at which point I was informed. 

Discover simply insisted I pay the amount I owed ( including late and returned payment fees from their error, plus interest ), and would not reinstate my account. Their incorrect reporting remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Approx back in XX/XX/2019 / some time towards the end of the year. I spoke with a representative at Regional Acceptance in regards to my account. I advised the representative to cease all communication with the other party on the loan because she is my mom and she is older and this is not her vehicle. The representative confirmed the phone number and advised me that they would cease communication. I even verified that it was marked as cease communication. Fast forward to Wednesday XX/XX/XXXX and I receive a text from my mother saying that RAC had contacted her. An individual by the name of XXXX XXXX called her and not only did he call her after being told not to. He misinformed her on the amount owed and she was advised that the XXXX PMT was owed. When I contacted the company I spoke with another female who said she saw on the account that there was a cease communication on the number and she also mentioned it was called. She was also baffled as to why they called and offered an apology. This representative also misinformed me about what was owed and tried to tell me that we owe for XXXX. When the website clearly shows XXXX. We then called back and spoke with another representative who gave us the correct information on what was owed. We also questioned her about the cease communication that was placed on the account and she advised it was marked as no dialer calls. I advised her that was incorrect and requested a manager. She transferred me to a Supervisor Lead by the name of XXXX. Who tried to tell me that Im not allowed to place a cease communication on a phone number that is not mine. When we tried to advise that information is incorrect he no longer had an answer. We asked to speak with another manager and we were advised we need to leave a voicemail and get a call back. I know for a fact when an individual regardless of who it is asks for communication to a certain phone number that the communication needs to cease.

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 2020-07-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
MY IDENTITY WAS STOLEN MY INFORMATION WAS USE TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NMAE WITH MY SSN AND MY PHOTO ID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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:
MY IDENTITY WAS STOLEN MY INFORMATION WAS USE TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NMAE WITH MY SSN AND MY PHOTO ID

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 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Dates : opened in XX/XX/XXXX. 2 accounts American Express Still reporting on my credit report as charge off. incorrect the first date of delinquency. incorrect date closed. The Statue of Limitation has expired. Now their trying to collect. collection notes I received this year. I sent them letters Stop & Desist all letters sent to them are all return Receipts certify mail.Contacted American Express in writing at the following locations including XXXX XXXX, Florida ; XXXX, NJ ; XXXX XXXX, TX ; XXXX, NY ; XXXX, MA, XXXX, TX. dates XXXX ; XX/XX/XXXX, ; XX/XX/XXXX, XX/XX/XXXX & more dates. I also file a complaint with the XXXX  in the state of XXXX, TX. I have disputed these accounts with all 3 credit bureaus as well.Amount {$28000.00}. The other amount {$13000.00} yes these accounts are closed accounts.

Company response to consumer: Closed with explanation