vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP
State: NY

Complaint narrative:
i applied for unemployment with new york state and the state gave me a choice of direct deposit or debit card. i choose direct deposit but never the less he web site decided that in an illegal way to steer me towards KEY BANK debit card which i did not want and now that it has my funds i can not contact them or get a debit card to use my money issued by new york state nor can i contact them and new york state seems to indifferent to my problem please help me get my money from KEY BANK or promt new york state to reissue my monies direct to my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX new york XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 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: IL

Complaint narrative:
I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. I would like the credit reporting agency block all information associated this act of thief. 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. 
Account open by Identity theft Account : XXXX XXXX XXXX Credit card, date open XX/XX/2018, credit limit XXXX Inquiries made by unknown Identity theft Company-XXXX date XXXX Company- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX date XXXX Company- XXXX XXXX XXXX XXXX XXXX CompanyXXXX Financial Date- XXXX Company- XXXX XXXX Date- XXXX Company- XXXX XXXX Date XXXX & XXXX ( 2 Inquiries ) Company- XXXX XXXX  XXXX XXXX Company-XXXX XXXX Date- XXXX Company- XXXX XXXX XXXX Date- 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 2020-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northwood Asset Management Group
State: SC

Complaint narrative:
This company constantly calls my relatives, I have spoken to the man twice now ( today and on or around XX/XX/2020 ) and told him not to call my family or discuss this debt with anyone other than myself. He tried to negotiate payment with my father without my consent, my father is an older gentlemen and was absolutely horrified. He has also left messages saying that I am being charged with fraud and other threatening things. These calls are being left on the voicemails of my family. I am tired of being harassed by this company and certainly dont want them harassing my family members

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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:
****My name is XXXX XXXX XXXX XXXX. I have been trying to report about incorrect information in my credit report over past year but it has no success. According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are  not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification ****I notice that some of the name, addresses, all employment information and hard inquiries, are inaccurate. In addition to it, there are several derogatory account that have no relationship with me or any of our business. These incorrect information demand to be removed off my credit account according to these reporting laws that are listed above. 
Here are the name, addresses, employment information, hard inquiries and debt collection that need to be cleared off my credit report. 
******************************************* **NAME REPORTED XXXX XXXX XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **EMPLOYMENT INFO _XXXX _XXXX XXXX XXXX   ******************************************** **ADDRESSES REPORTED XXXX XXXX XXXX XXXX _XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ** HARD INQUIRIES XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX CO Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Utilities and Fuel ( XXXX ) XXXX **COLLECTION OF DEBT XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed

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 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have an account with XXXX. I can get a loan until payday to pay it back. It was all automatically deposited and withdrawn thru my bank PNC. 

Now my bank connection between PNC and XXXX is not allowed anymore. That is what XXXX told me. They also gave me this site to file a complaint about it. So here I am with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report doesn't have the correct name, phone number or address listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items 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 2020-06-04 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 

FTC Compliant # XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Department Of Edu XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed XXXX Dept Of Ed/XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX  XXXX Us Dept Of Education XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed/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 2020-06-04 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 

FTC Compliant # XXXX usps tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Us Department Of Edu XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed XXXX Dept Of EdXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of Education XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX XXXX Department Of Edu XXXX Dept Of Ed/XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 
XXXX {$760.00} XXXX {$400.00} XXXX {$2500.00} XXXX {$2700.00}

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 2020-06-04 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 
XXXX {$760.00} XXXX {$400.00} XXXX {$2500.00} XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX {$0.00} XXXX {$44.00} XXXX {$19000.00} XXXX {$270.00} XXXX {$190.00} XXXX {$3500.00} XXXX {$1700.00} CHAPTERXXXXBANKRUPTCYDISMISSED

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 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Trying to send money to my son in law via XXXX. Pnc refused to let me link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: PA

Complaint narrative:
I am filing this complaint against Experian because they have failed to comply with the Fair Credit Reporting Act XXXX FCRA ) by using multiple stall tactics and using computer-generated responses to my dispute letters. They have failed to provide documentary evidence to verify the disputed accounts. On XX/XX/XXXX I pulled my Experian credit report. I noticed several accounts were reporting inaccurately and I knew the specific accounts reporting were not mine. After trying to update my personal information, I disputed six ( 6 ) inaccurate accounts which were XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX  with Experian via U.S. certified mail on XX/XX/XXXX. XXXX attached. Experian deleted accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX as a result of the dispute investigation. Experian claimed to have verified the XXXX   XXXX XXXX XXXX and XXXX accounts. On XX/XX/XXXX, I pulled my Experian credit report again and discovered that the XXXX XXXX XXXX was now reporting an account number which only consist of XXXX digits when it was reporting an XXXX digit account number in XXXX. XXXX attached. I also discovered that the XXXX  account number was completely changed as well. So, on XX/XX/XXXX, I certified mailed another dispute letter to Experian disputing the new inaccurate XXXX XXXX XXXX account number along with disputing the inaccurate XXXX XXXX and XXXX accounts. See attached. Experian sent my dispute results dated XX/XX/XXXX which I received in XX/XX/XXXX stating to have updated each disputed account. See attached. XXXX is now reporting an 16 digit account number again, XXXX is still reporting the completely different account number without being verified, XXXX is reporting different and XXXX  still the same. However, nothing in the results showed evidence of anything new being updated on the report. I do not have any contracts for any of the disputed inaccurate accounts and know that they can not be verified. If the inaccurate items including XXXX XXXX XXXX, XXXX, XXXX and XXXX are not properly re-investigated and verified by documentation with my wet ink signature on it then Experian has no choice but to delete it from my credit report. Due to Experian failure to properly investigate my dispute and delete the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future.

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 2020-06-04 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: TX

Complaint narrative:
These inquiries I did not authorize. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX   XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX0 XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from JXX/XX/XXXX Automotive XXXX   Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Auto Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX   XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX  XXXX Inquiry from XX/XX/XXXX Bank

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 2020-06-04 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
You have the wrong social security number for me you have reports by American eagle and XXXX  that should not be on there I never requested a credit report on them I never had a Verizon  account in my name

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 2020-06-04 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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. DEPTEDXXXX {$3500.00} DEPTEDXXXX {$4500.00} DEPTEDXXXX {$6000.00} XXXX {$780.00} XXXX {$510.00} XXXX {$2000.00} XXXX {$3500.00}

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 2020-06-04 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 recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX {$0.00} XXXX {$44.00} XXXX {$19000.00} XXXX {$270.00} XXXX {$190.00} XXXX {$3500.00} XXXX {$1700.00} CHAPTERXXXXBANKRUPTCYDISMISSED

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 2020-06-04 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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX {$0.00} XXXX {$44.00} XXXX {$19000.00} XXXX {$270.00} XXXX {$190.00} XXXX {$3500.00} XXXX {$1700.00} CHAPTERXXXXBANKRUPTCYDISMISSED

Company response to consumer: Closed with explanation