vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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:
My Name Is XXXX XXXX Today Date Is XX/XX/2020 ( I'm The Only One Writing This Complaint!!! No Help By A Attorney Or Credit Repair Agent ) ) I've Been Having Trouble With These Inaccurate, False And Fraudulent Information That Don't Belong To Me I've Contacted My Local Police And Made A FTC Report Number : XXXX Ive Also Contacted Experian and XXXX XXXX XXXX XXXX About The Fraudulent I Spoke To A Lady By The Name Of XXXX And She Told Me That My Account Didn't Match What They Have That This Account Might Be A Mix Up Credit File Or Fraud And She Was Going To Update And Remove The Account, I Waited 60 days After That I Contacted Experian Updating Them With The Information But Experian Failed To Remove The Account I've Disputed This Same Account XXXX XXXX  Experian Updated My Account Saying Its Verified When I Call To Get A Explanation Experian Told Me That Its A Computer Generated I Was Very Disappointed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from 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 2020-08-19 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: TX

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to alleged identity theft on my credit reports pursuant to section 605B of the Fair Credit Report Act. I never received any notifications in regards to the investigation results and still have yet to receive any response.

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to alleged identity theft on my credit reports pursuant to section 605B of the Fair Credit Report Act. I never received any notifications in regards to the investigation results and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: MI

Complaint narrative:
On XX/XX/XXXXXX/XX/XXXXI received a letter from XXXX/XXXX XXXX dated XXXX XX/XX/XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XX/XX/XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXXXX/XX/XXXXat XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX.My call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXXXX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXX.THIS IS FRAUD

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 2020-08-19 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: MI

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXXShe took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to XXXX is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXX.THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: ID Analytics, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX  dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to XXXX is wrong about the personal loan i never applied for.When she transferred me to bank XXXX unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXXTHIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX XXXX XXXX, I was trying to buy a car. They ran a credit report with Experian and was told I had a freeze on my report. I NEVER authorized a freeze. I didnt even know what that was. Now I can't unfreeze it without a pin number. I dont have a pin number because I never requested a freeze. This may have hurt my chances of getting a car. I am beyond angry. I called every number for Experian and can not speak to a real person. Its the same automated answer. It won't help me at all. I also answered security questions to prove it was me. They asked me if I applied for a home loan in XXXX. I have never applied for a home equity loan ever!

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 2020-08-19 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: TX

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social 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 form my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, 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 2020-08-19 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: TX

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social 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 form my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: KS

Complaint narrative:
Netspend Debit card masquerading as a Bank. 

As of today XX/XX/2020 as I'm writing ( XXXX. CDT ) I attempted to login to my online account. I have found that it is Locked and can not access my debit card information. I previously attempted to call them today only to be put on hold for 30 minutes before hanging up. These folks nickel and dime people to death, especially SSA Recipients who have direct deposit payments. My account was locked because of the numerous complaints I have had with their services, charging overdraft fees, disputing automatic billing of auto renewal payments for services I have been ripped off from. The messages/complaints I send are to a secure email account inside their ( netspend ) website that is also not accessible to learn the status of my account. I want immediate access to online services that I am not receiving as retaliation for sending and questioning NETSPEND about their practices, Disputing payments for services not received online. They have also increased the fees for overdraft patients from {$15.00} to {$20.00} in the past two months. They also " sit '' on direct deposits from SSA and allow only {$300.00} daily limit to access my own monies, resulting in more fees from the ATM/Bank. They are controlling not just my, but all SSA recipients monies held by them which I know brings them a large chunk of interest payments at Banks where the these deposits end up, using the US Government monies paid to NETSPEND CONSUMERS to collect interest on our direct deposited social security monthly payments. To put it simply, they are fleecing me and the people who use their services, and are committing some kind of fraud against NETSPEND CONSUMERS and that US GOVERNMENT. I WILL BE FORWARDING A CC OF THIS COMPLAINT TO THE IRS. Thank you. A NETSPEND account holder whose account is labeled as closed or locked, a Lost debit card, which it is not the case. This is what I get for disputing payments, retaliatory actions by NETSPEND, because the can.

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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One charging 23 % interest on {$12000.00} balance. My other cards are at 16.99 %. 
Have asked 3 times now for a better interest rate since i have never missed a payment ever or have been late. Their reply is " we have no programs for you ''. 23 % interest is close to default rate and feel like they are ripping me off when interest from the fed window is at 0 %. 
At this point the monthly payment is stressing my cash flow with my income down 30-40 % as a result of Covid Virus. In addition it makes near impossible to get balance down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
My credit report on XXXX  shows I have a collection accocunt with {$47.00} and I have totally no idea why this record is showing on my credit report. The only reason SOUTHWEST CREDIT SYSTEMS connect me to this case is because my name, XXXX XXXX, is exactly the same with the true debitor. SOUTHWEST CREDIT SYSTEMS did NOT verify additonal information before report this collection to my credit report and hurt my credit score. I never live in the address linked to this bill statement. It is very un-resposibile to report this collection under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX I received a letter from Discover/personal loans dated XXXX XXXX.The letter states '' thankyou for applying for a discover personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through discover or its affiliates.This is fraud.I did have a discover card with no balance and early 2020 during breakout of covid-19 pandemic, discover closed my account citing inactivity.I did call discover at XXXX on XX/XX/XXXX at XXXX and spoke with XXXXe.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from Discover???? .Therefore, I never applied for a personal loan from Discover/personal loans or it s affiliates.THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This company PHOENIX FINANCIAL SERVIC doesnt have any information about me social security number, date of birth, they not even have my name, they trying to collect money from someone named XXXX XXXX and thats not my name, this is a hospital bill and I never was in any hospital never in my life, never used any medical service and I never was sick of anything, so I dont know who this people are, they dont have any information about me and I never sign any paper, I dont know who they are, they keep reporting to the credit report that I have a debt but thats false information I am the wrong person, I called them and dispute the account many times and I get the account erased but they keep reporting and the last time equifax and transunion erased the false info but XXXX did not And now I am frustrated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, I was denied by a creditor for health financing. Thus, I requested a copy of my consumer report from the consumer reporting agency the creditor used -- XXXX XXXX. I received my consumer profile on XX/XX/XXXX, and noticed SEVERAL fraudulent inquiries made by : " Santander Consumer USA XXXX DBA Drive Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ''. The inquiry type states, " Credit application ''. It fraudulently states I have submitted credit applications on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These repeat inquiries, systematically fall on the XXXX day of every 3rd month. Not only are they fraudulent but seemingly willful ( given the pattern of submission ) on behalf of the company. This caused me to be declined from healthcare financing. I received a determination letter from the healthcare financer that states, " Number of inquiries was also a factor '' in my denial. Thus, I have been gravely harmed by this institutions behavior I did not, on any of those dates, submit a credit application. 

When an individual fraudulently submits a credit application, especially in an ongoing fashion such as this, they are prosecuted by the FBI. Thus, this company, too, should be prosecuted. Lets start with XXXX XXXX ( the woman whose phone number is provided on my consumer report ). I tried to reach out via phone three times on XX/XX/XXXX at XXXX XXXX. There was no answer, but I left a message. I still have yet to receive a return call. I would now like a remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have reached out to Capital One in XX/XX/2020, asking for validation Of debt for the {$19000.00} balance they have listed on my credit report with all three bureaus. In response on XX/XX/2020, they requested proof of identification. In response to the requesting proof, I send proof of identification along with the same letter asking for proof of debt. Capital One proceeded to respond with a letter on XX/XX/2020 asking for proof of identification again. I responded with proof of identification once again and a follow up letter on XX/XX/2020. Capital One proceeded to respond to my letter on XX/XX/2020 by asking for proof of identification for a third time. Capital One has yet to respond to any of my letters Ive been mailing in to them since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/20, I applied for a credit line with XXXX to get the money to repair my roof. XXXX denied the application because they said Experion had sent them a report saying I had no credit cards or rotating credit lines. I actually have 3 credit cards, student loans, and auto loans that were all missing from the report. When I called Experion, they checked and said they could see all of my credit cards and loans. The person on the phone verified all of them with me. They told XXXX to call them to verify the correct information. XXXX is not capable of doing this, so I asked Experion to please send the correct report to XXXX. They refused and insisted on just sending me my credit report even though I had already verified what was on it. 

Experion 's incorrect reporting of my credit information to XXXX cost me a line of credit that would literally put a roof over my head and refused to correct its own mistake.

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 2020-08-19 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax is denying my ability to receive my free annual credit report online. Both of the other services ( XXXX  and XXXX  ) had no issue verifying my identity and providing me with my credit report. The XXXX website lists three steps required to view your credit report online : 1. Fill out one form to request one, two, or three credit reports 2. Pick the reports you want ( Equifax, XXXX   or XXXX ) 3. Request and Review your reports ONLINE. 

Equifax refuses to furnish my credit report online as they are required to do. Instead, they are requiring me to pay for postage and mail them a form with sensitive personal identifying information. Equifax has demonstrated extreme negligence in safeguarding millions of Americans ' personal info, exponentially increasing the risk of identity theft. I do not trust them to keep my information safe once they physically receive copies in the mail. Equifax must be held to the same standard as the two other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX I went to chase bank ( located at XXXX XXXX XXXX, XXXX, Tx XXXX ) to exchange small bills for large bills. I had {$6000.00} in smaller bills ( 20/10 ) and went to the drive through to exchange it for 100s. The teller greeted me, gave me the money in an envelope and left. 

On XX/XX/XXXX, I see a {$2000.00} withdrawal from my account. For the item description, the bank states, we have deducted {$2000.00} from your account. Ive called the bank and emailed them and nobody can answer me why.

Company response to consumer: Closed with explanation