vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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:
contacted credit reporting agency to inform them about incorrect information that is reporting on my file. reporting agency did not do the required due diligence to remove incorrect information on time. and they refuse to actually investigate and remove incorrect information

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 2020-06-02 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
singed up for a Chase credit card in order to receive discount on a purchase on XX/XX/2020 through Amazon. Did not intent to use card I just signed up for card to get discount. I intended to use existing debit card on file. Since I did not activate the card I thought I was paying with debit. Purchase went through on new chase card and I did not realize. I thought I needed to activate card in order to make purchases. Chase reported me to the credit reporting agencies and has damaged my credit. Chase refused to issue letter to reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent letters repeatedly to XXXX, XXXX  and Transunion requesting to remove inaccurate addresses from my credit report. 

XXXX has these addresses : XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion has these addresses : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have sent requests with my utility bill attached on where I live and I keep getting stall letters from the credit bureaus and no disputes taking place, I need these addresses removed from all three credit bureaus 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 2020-06-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent letters repeatedly to XXXX, Experian and XXXX  requesting to remove inaccurate addresses from my credit report. 

XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have sent requests with my utility bill attached on where I live and I keep getting stall letters from the credit bureaus and no disputes taking place, I need these addresses removed from all three credit bureaus 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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was requested to submit additional documentation by Barclays 2 months ago in order to regain access to my accounts. Documentation was submitted to the satisfaction of the lender, yet I have yet to have my account unrestricted. I spoke with multiple representatives that assured me this had already been done, yet this hasn't happened yet. 

Today, XX/XX/XXXX at around XXXX XXXX  EST I once again contacted Barclays to have all my cards unlocked/unrestricted, 18 minutes into the call a customer security representative tells me he is on hold to resolve this matter and that he can not have my on hold for longer than one hour. I politely explain to the representative that I need this resolved today as multiple representatives have assured me it's already resolved when it is not, and tell him one hour is actually 60 minutes and we are far from that time frame. The representative hangs up on me rudely.

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I need to temporarily remove a credit freeze that I placed with Equifax after their security breach. I called and talked to XXXX ( ID : XXXX ). I was asked many specific personal questions, which I answered ( including my date of birth, address, social security number, etc. ). I was then asked a long list of extremely vague questions, such as 'have you closed any accounts in the last ten years, who were they with and what were their ending account balances? '. I gave them a huge amount of information during the call trying to answer the open and ambiguous questions. None of the questions relating to my credit history were specific - just requests for any information I could remember from the last 10 years. I was then told that they could not release my credit freeze. The only option given to me for unfreezing my credit was to send a copy of my social security card and drivers license through the physical mail, which makes me extremely uncomfortable and seems reckless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: UT

Complaint narrative:
Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. XXXX  is reporting that I am ( 30 ) days late on this account as well. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and the late being reporting by XXXX  is also harming my credit score. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$250.00} XXXX   XXXX {$280.00} XXXX XXXX XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: NJ

Complaint narrative:
I reported an error on my credit report to Equifax. 
They haven't removed it from my credit report yet. This was a fraudulent account opened using my details with XXXX XXXX. I have been in contact with them and also went to the bank and verified my identity. Please try and have this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: UT

Complaint narrative:
XXXX is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. Experian is reporting that I am ( 30 ) days late on this account as well. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and the late being reporting by Experian is also harming my credit score. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-02 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 in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under 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 2020-06-02 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 in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under 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 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Was pre-approved by Quicken Loan 's Rocket Mortgage. After 90 days, loan did not close. Not explanation or reason on denial of loan application and original loan pre-approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Applied for the Huntington Bank checking account on XX/XX/2020 Approximately {$15000.00} was deposited in line with an account sign up bonus for {$500.00} that required a deposit of at least {$15000.00} A bank account ( acct # XXXX ) was linked to make the inbound deposit A second bank account ( act # XXXX ) belonging to me was linked ( and verified with trial deposits ) to allow for money movement between my main accounts. 
On approximately XX/XX/2020 I initiated an electronic withdraw in the amount of {$15000.00} to my second account ( act # XXXX ) at an external bank. This withdrawal was blocked by Huntington Bank and a hold place on my account. I have follow up several times, about every other business day, with the bank customer service reps to determine how to remove the hold and I offered to provide further documentation if any was required. 
Each time they suggested I step into a branch location. 
Given that I opened the account online, the bank only has branches in Ohio and the ongoing pandemic it didnt make any sense to require me to drive 9 hours across state lines to show up in person. I offered to send documentation or to simply have them close the account and send my money back. 
I escalated to managers to no resolution. 
The bank continues to hold my money ( approx {$15000.00} ) hostage from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$250.00} XXXX   XXXX {$280.00} XXXX XXXX XXXX {$520.00}

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 2020-06-02 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: CA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$250.00} XXXX   XXXX {$280.00} XXXX XXXX XXXX {$520.00}

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 2020-06-02 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$180000.00} XXXX  XXXX XXXX {$2500.00} XXXX XXXX XXXX {$11000.00} USDEPED   XXXX {$2500.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: WA

Complaint narrative:
Received unsolicited prepaid debit card from Netspend ( a subsidiary of XXXX ) via mail. Apparently you are able to link the card to direct deposit or add funds at a store. This is not the sort of thing that should be mailed unsolicited as it is ripe for identity theft and fraud. Attempted to contact the bank to close/cancel the account but there was no way to do so without first activating the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CA

Complaint narrative:
On XX/XX/XXXX i sent out a valid request to have these fraudulent accounts removed from my credit report with TransUnion. TransUnion has not removed the accounts. I have sent them more then enough evidence or supporting documents for them to remove the accounts.

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 2020-06-02 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: CA

Complaint narrative:
These accounts were deleted from my credit file because i was a victim of identity theft but this one account, XXXX XXXX XXXX XXXX just reappeared last week and dropped my credit score.

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 2020-06-02 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 informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: EOS Holdings, Inc.
State: IL

Complaint narrative:
I logged into XXXX today to check my credit report and saw this collections account. I have addressed this issue multiple times with the credit bureaus and it keeps showing back up. I have never had an account with XXXX XXXX. This account is either fraud or belongs to someone with a similar name as me. I was never contacted by the collections agency prior to this account showing up on my credit, in violation of FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was in process of refinancing my home I was approved and ready to close XXXX XXXX. I got a call from XXXX XXXX ( home loan mortgage consulten XXXXfrom Wellsfargo ) saying he could get me a better rate if I stay with wellsfargo. I agree to stay with wellsfargo but I didnt want to pay for a another appraisal. XXXX XXXX told me he would pay for the appraisal when we close on the house, Month went by and I get a call from him telling me I could only get approved on a 6 % rate not on a 3.875 which we agree in the first place. I wouldve not chance my mind if he didnt lie to me and told me he was able to pay for the appraisal and give me a better rate. It was very stressful and I lost XXXX dollars and I was not able to refinance my home after months and months of waiting. He was no were to be reach and did not return my money for the appraisal. I believe Wellsfargo took advantage of me and my family.

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