vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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 purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX {$87.00} XXXX  XXXX {$630.00} XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX  XXXX {$91.00} XXXX {$450.00}

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 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am reaching you about the bankruptcy appearing in my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT MA XXXX, a chapter XXXX Bankruptcy. I talked to Bankruptcy Court and they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 has been compromised. I found out because XXXX XXXX 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 {$2300.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$8800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 has been compromised. I found out because XXXX XXXX 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 {$2300.00} XXXX XXXX XXXX  XXXX {$960.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$8800.00}

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 2020-06-12 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: NC

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 {$2000.00} XXXX {$7600.00} XXXX {$700.00} XXXX {$24.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NC

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 {$2000.00} XXXX {$7600.00} XXXX {$700.00} XXXX {$24.00}

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 2020-06-12 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 {$1100.00} XXXX {$10000.00}

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 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: SC

Complaint narrative:
I informed them that I was on XXXX and they took care of everything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Credit Plus Inc
State: TX

Complaint narrative:
I applied for mortgage on XX/XX/XXXX and got a report stating that my XXXX  score is XXXX. This report was provided to the broker by CreditPlus. I followed up with XXXX  and they verified that the collection they was on file was all paid off. I verified with three other sources ( XXXX XXXXXXXX credit service, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) - all of them state my XXXX  credit score is 800+ For some reason CreditPlus has it wrong. By now I have contacted them three times and I have on the wait for 45 minutes each time with no luck. There is no reason they should be reporting my score so low. My mortgage got denied because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2020 XXXX XXXX closed my account at the end of XXXX ( around the XXXX ). Today is XX/XX/XXXX. They also have someone else 's name and card on my online profile when i logged in. Very little has changed to my credit other than it improving since taking out the card I do have with them. They are refusing to reinstate my credit card. The fraud department is looking into the rest of the issues surrounding the card number which does not belong to me. I feel I have been wrongfully discriminated against in their closing of MY credit card account. The account was current, paid on time and in some cases a higher than minimum payment was made on a monthly basis. Two other credit cards ( other companies ) i have are paid in full now with zero balances. My debt to income ratios have improved not declined. They have stated they can only reinstate accounts within a 24hr time period. No calls were made to me notifying me of this decision. How could it EVER be accomplished in that 24hr window? This is biased cancellation of accounts in my opinion ; definitely not enough time for a consumer to react to incorrect reporting and decision making. They removed the fraudulent information attached to my profile, but refused to reinstate the card that was mine and in good standing.

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 2020-06-12 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 purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX {$87.00} XXXX  XXXX {$630.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX {$450.00}

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 2020-06-12 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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX {$87.00} XXXX  XXXX {$630.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX  XXXX {$91.00} XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have used this account for years only time late is with no notice they changed my billing due date. They claim in their letter they closed the account based on my credit reporting. I have to request all three credit reports and review for accuracy and make my disputes. Not giving a consumer the right to dispute items on a credit report and assume the report is correct which is my credit report not theirs. To just close an account when a customer was a good paying customer is not fair.

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 2020-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohls/CapitalOne is reporting a XX/XX/2020 late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX all 3 Credit Agencies are refusing to provide me a paper copy of my credit report. All 3 agencies have been notified by me personally that I want my free credit report so I can have false information permanently removed. 
Credit attorneys in XXXX and the entire state of Indiana have refused to assist me even after I have filed complaints with the State Attorney General and the XXXX  XXXX XXXX. I am being forced as a single dad of a special needs son to suffer and try and hire an attorney from Florida because no one in this country does their job properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: SC

Complaint narrative:
I had worked for XXXX XXXX as a XXXX  for 16 years. No wite ups no discipline with state board. I had left my XXXX for XXXX  XXXX at home. I was working 12 hour shift. A state mandat, which i had folled many times, all XXXX  follow to dispense an emergency supply of a med to a customer. XXXX had no way to bill it as a purchase, no set measure. They terminated me after a tech i told i was getting the emergnecy supply to reported me to the ethics line. I feel they discimnated against my condition, a protected XXXX. XXXX reported it to XXXX and i was listed as a thief nationwide on Esteem, effectively blacklisting me from the retail sector, the only area I had worked in. I soon discovered i was the only XXXX on this. This is not proper to do. The board decides discipline. Not a database. I never got any due process and nothing was even reported to the board. I have evidence this is not for XXXX. Removing me from the database isnt sufficinet when it caused me to loose my credibility and nearly XXXX XXXX dollars. Numerous attorneys are baffled by this. I was not even allowed a hearing, a grievance ... XXXX served me with cease and desist papers and ive been arrested for questioning the issue. I went from XXXX job to going to foodbanks, food stamps, and not much else as far as help. Three XXXX degrees and cant get hired thru the online process..Ive lost part of my XXXX from financial issues, beenarrested several times becuase i couldnt afford insurance, had to sell the house i grew up in and ive had XXXX XXXX  attempts. Is there no one that can help with this matter? Im supposed to loose it all and die a pauper over following a state mandate?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$500.00} XXXX  XXXX {$6400.00} XXXX XXXX {$340.00} XXXX  XXXX {$360.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$3000.00} XXXX XXXX {$400.00} XXXX  XXXX {$12000.00}

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 2020-06-12 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 {$1100.00} XXXX {$10000.00}

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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
hello. I would like to make a claim about the charges on my account of penfed on my savings account that no proceed for use the ATM machines when you did not have available machines for the clients, it is there a total amount of {$54.00} on charges on use the ATM machine fees of {$2.00} on each transaction plus {$1.00} ATM fees. And they started with {$1.00} then changed to {$1.00} if i choose to not verify balance they uodate the account statements and add the {$1.00} pls {$2.00} on each transactions, The dates and transactiosn are the following:XXXX charges of XXXX plus {$1.00}, XXXX charges of {$2.00} plus {$1.00}, XXXX charges of {$2.00} plus {$1.00}, on XXXX charges {$2.00} plus {$1.00}, on XXXX charges of {$1.00} pls {$1.00}, on XXXX charges of {$2.00} plus {$1.00} on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$1.00} plus {$2.00}, on XXXXcharges  of {$2.00} plus {$1.00}, on XXXX charges of {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00} on XXXX charges of {$2.00} plus {$1.00} on XXXXcharges of {$1.00} on ATM fees. there are {$54.00} on atm fees charges. Please refund the money that you charge on my account those charges do not proceed. They PENFED are accesing in the account and ajsting and adding more fees beacse revise the transaction deposit that i received for aids for pandemic covid19 disaster. Equally they performed the same thing on the credit card addin {$30.00} on my balances when I am online, I called and the lady pretend to close my credit cards without y authorization and request, and they denied me a consolidation of credit cards balance to pay a debt of {$11000.00} like having a {$30000.00} loan at 4.25 % and I'm not having that debt I only have {$11000.00} and making payments of {$220.00}, they did not want to provide me any aids after the disaster. 

please let me know. 
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