vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$27000.00} XXXX {$980.00} XXXX {$590.00} XXXX {$890.00} XXXX {$590.00} CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX

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: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, PLEASE SEE THE ATTACHED IDENTITY THEFT COMPLETED AND VERIFIED BY ME. SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ARE FRAUDULENT, AS WELL AS THE ACCOUNT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE. PLEASE MY REQUEST TO YOU IS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Clear Start Today
State: FL

Complaint narrative:
I received a call from a clear start on XX/XX/20 saying that i can join an income based student loan forgiveness program which i accepted. They said i would be charged {$240.00} a month for 4 months than it would be {$78.00} a month. I recently contacted my student loan company and they informed me that i was scammed by Clear Start because their is no fee for income based repayment plans.

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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
submitted a dispute foXXXX XXXX XXXX XXXX, it was not my account someone opened it in my name, experian investigated it and said '' '' it was accurate '' it was opened XXXX it has a balance of $ XXXX never opened this and i don't know anything about it. they won't take it off my report, there never been a payment made on it and if you look at my payment history i have never been late or missed a payment in my life my credit score was in the 800 's and since some one has taken out credit cards and loans in my name my credit score is in the 600's.thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reviewed all three of the credit reporting agencies reports for myself. The show as follows : XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$710.00}. 

Equifax Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

The balances on all of our accounts ( 1 real estate/1 car payment ) is {$29000.00}. The total monthly payments we pay ( 1 real estate/1 car payment ) is {$1100.00}.

We have some additional credit card accounts, but there is XXXX balance on them, and has been that way for years.

I have contacted XXXX  previously, however, they refuse to change the numbers on my credit report. Can you help me? As I strive to maintain excellent credit information, when you look at these credit reports, it indicates that I owe more than TWICE as much as I actually do. I am furious about this. Please help.

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 recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax illegally placed a fraud victim alert on my account without my permission or knowledge. They have refused to take this off even though I have jumped through hoop after hoop and answered ALL of their questions to verify my identity time and time again. My answers were read word for word from my EQUIFAX account ( I logged in prior to contacting them XXXX. They still claimed I did not provide them with the correct information. There is false. I did. I need this removed so that I can get utilities set up in my new home. I am frustrated and have also filed a complaint with. The XXXX. Waiting for a response from them as well. Equifax representatives have continued to lie, hang up the phone ( on multiple occasions ) and have flat out refused to let me speak to a supervisor time and time again. They need to be held accountable for their actions. What theyre doing to people is not ok. Please stop this. Its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Moneytree Inc
State: NV

Complaint narrative:
since Covid I have asked the loan people of money tree to get rid of the interest on this loan and I would pay all of the money back that they gave me and they will not do i have been out of work as my husband has been also. I would pay the whole thing off even if i have to get it from my XXXX just want the help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts 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 recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts 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 card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX I opened USAA credit card that ended as CANCELLATION OF DEBT see attatched XXXX XX/XX/XXXX. This secure data was used to open accounts I did not authorize. XXXX USAA CREDIT CARD POLICIES HAVE CHANGED SINCE XXXX WITH NO NOTICE SENT TO MY HOME ADDRESS. ) Disabled Members are NOT PROVIDED POLICY CHANGES. My home address is only contact on my profile of 37 years. USAA HOLDS ME LIABLE FOR THIS DEBT ALSO DESTROYING MY CREDIT SINCE XXXX. This is the only account I opened with usaa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Few days ago, I pull my online best buy credit card statement to come up with game plan to pay it off, I found that there is a small charge labeled as Enhanced Debt Protection, I reviewed previous statements, that charge was there. Best Buy Credit Services has been charging me a monthly fee for the above service. I have never intended to sign up for Enhanced Debt Protection. I reached out to them and they refused to refund previous months. They slipped this service when I signed up for the card. I did not know that I was signing up package bundles. BestBuy Credit Services needs to straight forward on the way they sell this service. They weren't with me. I would like to full refund for this service. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I notified Experian through a dispute ( attached ) about two inquiries from XXXX XXXX and XXXX XXXX XXXX. that I did not recognize and did not authorize. I requested an investigation of this information. I received a response from Experian dated XX/XX/2020 ( attached ) which did not address the results of my dispute. I followed up with Experian with a letter dated XX/XX/2020 ( attached ) which again requested an investigation of my dispute and which also questioned whether the inquiry companies had permissible purpose to access by consumer report. I received another response from Experian dated XX/XX/2020 ( attached ) which was substantially the same response from XX/XX/2020. As far as I can tell, no investigation of my dispute was conducted by Experian.

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 card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
American Express Serve, missing refund of {$170.00} Details : XXXX XXXX, Order # XXXX, {$170.00}, I placed this order over the phone because their online system was not functioning properly. The agent was nice, however, evidently, not efficient. Despite the fact that we read descriptions to assure I was getting the correct items and I emailed customer service in an effort to assure correctness, nothing I ordered was ever received. 
On XX/XX/XXXX and XX/XX/2020, I contacted both XXXX XXXX and American Express to report that I did not receive the merchandise as guaranteed. Having purchase protection insurance, I was guaranteed that my funds ( {$170.00} which was in HOLD status ) would not be released. Unfortunately, on XX/XX/XXXX, the funds were still released. 
For several weeks, I fought this battle and was told by both Amex and XXXX XXXX that a refund was being generated. XXXX XXXX stated that they made a refund request on both XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX request was made on official dispute paperwork that I generated. On XX/XX/XXXX, a deadline for completion given by Amex representatives, I once again called and was told the lie that XXXX XXXX had not responded. XXXX XXXX was contacted once again : they validated the fact that they processed a credit to my account on XX/XX/2020. To date, XX/XX/2020, my refund has not been received and Amex continues to make excuses. 
***During this process, I have run into 3 CV others vfc who have had similar issues, one of whom said it took American Express many months to return funds. This practice appears to be blatantly dishonest. If a consumer owed Amex money, they would be charged a service fees and interest. All of us who have had money stolen/lost by Amex should be compensated for the time our money is missing from our accounts

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TN

Complaint narrative:
I have been in chapter XXXX bankruptcy for several years, I dismissed the bankruptcy because I wanted to get my mortgage back in good standing. I requested mortgage assistance from Flagstar my mortgage company and they are giving me a difficult time processing with my request. I call to check the status of my mortgage assistance request, I'm always told I have documents missing or they have and incomplete file. I have faxed requested documents several times, I feel Flagstar is giving me the run around is trying to make me loose my home

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 — Personal information incorrect
Company: Earnest Inc.
State: GA

Complaint narrative:
I have two student refinance loans with XXXX/Earnest ( Earnest.com ). I recently moved and changed my address for many of my personal accounts. I gave Earnest my correct new address, but they still somehow reported it incorrectly to the 3 major credit bureaus as well as the 2 smaller ones ( XXXX and XXXX ). 

I requested to Earnest that they fix this issue as when I tried to have XXXX   remove it, they said that Earnest must first correct it on their end. After contacting Earnest, they told me that they do have the correct address on file and that's it's not their problem. 

I now have inaccurate information on all of my credit files and am having personal information mailed to the wrong address. Please assist me! 

The correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX Incorrect address reported by Earnest ( missing the " XXXX '' in my Apartment number ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: VA

Complaint narrative:
Hello. On XX/XX/2020, I received a collection letter of a " past due amount on account that was placed with this office for payment. '' CBCS Company, a XXXX XXXX XXXX. 

I am being contacted for a debt that I do not owe. This is a consumer loan with XXXX. I was " coerced '' into being a Co-Signer on this account by XXXX XXXX. XXXX. It is an attempt to defraud me. Verbal promise made to me by Mr. XXXX to pay the loan. 

Attached is collection letter from CBCS. I have attached also most recent Consumer Loan Statement, from XXXX, for this account, that clearly shows Mr. XXXX 's name, and Not mine. 

Mr. XXXX has a mental issue ; has been stalking me, I have previously taken him to court to stop contacting me. I asked XXXX to remove my name from loan, and it was refused. 

I ask that XXXX make the arrangements to remove my name from the consumer loan. If needed I will seek additional assistance to accomplish this, including legal action. 

BE SURE TO SEE AND VERIFY THE LOAN NUMBER IS THE SAME AS THE " Creditor Account Number '' AS STATED ON THE CBCS LETTER, Dated XX/XX/2020. 

Thank you for any assistance from CFCB regarding this issue.

Company response to consumer: Closed with non-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: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DEPTEDXXXX {$7700.00} XXXX {$46000.00} XXXX {$370.00} XXXX {$280.00} DEPTEDXXXX {$660.00} XXXX {$500.00} USDEPTEDXXXX {$5500.00} XXXX {$6800.00} XXXX XXXX XXXX {$0.00}

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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DEPTEDXXXX {$7700.00} XXXX {$46000.00} XXXX {$370.00} XXXX {$280.00} DEPTEDXXXX {$660.00} XXXX {$500.00} USDEPTEDXXXX {$5500.00} XXXX {$6800.00} XXXX XXXX XXXX {$0.00}

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 — Account status incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was under the impression i was on a relief program with US Bank ... my business was impacted by the pandemic as well as my mom passing away ( as I told US Bank ) ... now credit report says I am delinquent ... i have been 100 % on time up until past 2 months ... i was qualified for relief loan until they reported negative ... this relief program would have secured my company and any bills my company created

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: AR

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 {$530.00}

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