vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: DISCOVER BANK
State: IL

Complaint narrative:
When I first decided to try to get pre-qualified for a loan I looked online at loan companies. ONE time I gave my email address and all of a sudden I had several companies emailing me about a loan. I immediately unsubscribed from every one of them and where I could I typed a message that was very clear that I was no longer in the market and that I had unsubscribed and not to call me or email me again. 
But now I've had six ( 6 ) companies that keep hitting my credit report and I've never spoken to any of them. They are : ( XXXX ) XXXX ) - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ; ( XXXX ) XXXX ) - Discover Financial Service, XXXX XXXX XXXX, XXXX XXXX, DE, XXXX ; ( XXXX ) XXXX ) - ( tel : XXXX ) - XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IN XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IA XXXX ; - XXXX XXXX./XXXX  XXXX  XXXX XXXX XXXX XXXX., XXXX, WI XXXX ; and - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 tried to refinance my car today XX/XX/20 however, I was unable to do so because my credit report came back with about seven accounts in negative standing. I didn't know these accounts were on my credit report because none of them belong to me. I am not responsible for any of these accounts nor did I benefit anything from them being open in my name such as money, goods, services or any other benefit and I never contributed to payments made towards these accounts. I don't know who these accounts belong to but I never gave anyone permission to open them in my name therefor I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. The accounts were opened with these companies which I am not affilated with in any way. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 was attempting to refinance my home, when the Loan officer pulled my credit and advised my of this collection/foreclosure on my account. I have never owned a home until XX/XX/2019 and I have never had a mortgage with XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 was attempting to refinance my home, when the Loan officer pulled my credit and advised my of this collection/foreclosure on my account. I have never owned a home until XX/XX/2019 and I have never had a mortgage with XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$1400.00} XXXX XXXX {$2700.00} USDEPTED XXXX {$4200.00} XXXX XXXX {$2700.00} USDEPED XXXX {$4200.00} XXXX  XXXX {$4200.00} XXXXDOFED XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$1400.00} XXXX XXXX {$2700.00} USDEPTED XXXX {$4200.00} XXXX XXXX {$2700.00} USDEPED XXXX {$4200.00} XXXX  XXXX {$4200.00} XXXXDOFED XXXX {$4200.00}

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 2020-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  has reported incorrect information on my credit file from XXXX XXXX/XXXX  trying to collect on this account I do not owe. This company never sent me any information and I want this account remove immediately. XXXX  and XXXX properties and broken the law 15 U.S. Code 1692g.Validation of debts. This company did not send me anything or verify anything. This company purchased a debt that I don't owe and I want it removed from my credit report immediately.

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 2020-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
A credit card account was opened with Capital One using my email address. I continue to receive email notifications about this account. 

I contacted the company to let them know that I do not have an account with them and that they need to contact the owner and remove me from the account. 

Capital One have indicated that they can not do this and recommend the only path forward is for me to login ( commit identity theft ) to the customer 's account and close it for them. I've spoken with Capital One on 3 different occasions from XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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:
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.

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 2020-06-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello! 

I am submitting this complaint on behalf of an unauthorized in credit report inquiry supplied by Equifax. The creditor in dispute is listed as XXXX XXXX XXXX XXXXXXXX XXXX. According to my credit report pulled on XX/XX/2020, Equifax fraudulently released my credit profile to XXXX XXXX XXXX on XX/XX/2020. 

I do not currently have an account with XXXX XXXX XXXX, in fact, it's been more than 5 years since I've done any business with this company. And that was in a completely different State than where I reside today. 

On or around XX/XX/2020, I inquired about getting internet services at my home. Because of COVID-19 I  was unable to contact anyone by phone and proceeded to their website to see if the service was available at my address. I provided my Name, Address, and Phone Number. I did not provide my Social Security Number or any other identifying information, nor did I authorize a credit check of any form ( soft or hard inquiry ). I was simply curious which packages/offers where available at my location. 

Accessing my credit report in this manner, and without authorization is a direct violation as a consumer. 

I've been unable to successfully contact XXXX XXXX XXXX to dispute directly and Equifax is not providing me the option to handle this through them, which I why I need the help of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE MADE MANY ATTEMPTS TO CONTACT YOUR OFFICE REGARDING BALANCE DISPUTES. I CAN NOT EEVEN APPLY ONLINE BECAUSE IT STATES I HAVE TO CALL. WHEN I FINALLY GET THRU YOUR AUTOMATED SERVISE WHICH TAKES SO LONG TO SPEAK WITH SOMEONE AND TRY TO SPEAK WITH THE DISPUTE DEPARTMENT YOUR COMPANY HAS THE NERVE TO TRANSFER ME TO A DIFFERENT DEPARTMENT WHICH I CAN NEVER SPEAK TO SOMEONE THERE. I HAVE REPORTED THIS TO THE FTC, CFPB, XXXX, AND THE ATTORNEY GENERALS OFFICE FOR YOUR COMPANY MAKING IT SO DIFFICULT TO FIX MY CREDIT REPORT. 
THIS IS THE ACCOUNT : XXXX XXXX XXXX -BALANCE SHOULD BE XXXX ALSO REGARDING MY PENDING COMPLAINT EXPERIAN STILL HAS NOT RESOLVED THE XXXX  COMPALINT AND BOTH OF THEE COMPLAINTS ARE AN ON GOING PROBLEM FOR MONTHS.

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 2020-06-18 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 contacted XXXX  and Experian about information on my credit reports that was not accurate. XXXX  has done the right thing and deleted the information that was not accurate. Experian, however, will not delete the incorrect information from my credit report. 
Experian has old addresses and some other addresses listed on my credit file with them that I do not recognize. They also have name misspellings and incorrect phone numbers as well. This is a credit risk to me and could result in identity theft. When credit card offers and other information gets sent to these other addresses it provides an easy way for people to misuse the information. Therefore, I am requesting that Experian follow the lead of XXXX  and delete the incorrect information. 
Also, it is against the law to report inaccurate information on someones credit report. Those addresses are incorrect and should be deleted permanently since they are not recognizable and not deliverable to me by USPS.

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 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
On XX/XX/2020, I noticed I received a tradeline on my Credit report from LVNV Funding, LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/20. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/2020 and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Debt Recovery Solutions, LLC
State: MI

Complaint narrative:
I sent a verification letter to the company certified I have receipts showing the debt company received the letter It has been over 30 days and I have not received a response with proof or verification I owe this debt. 
This company is still reporting in error to the 3 credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I was not the main account holder with XXXX and all devices were returned This has been on my account for 5+ years and when I did try to speak with the debt company, I was given different amounts on 6 different occasions which was suspicious with me. When I called them  back a few months later, the website was up but the numbers were disconnected and I could never get a real person on the line. My credit has gone down because the company is re aging this debt and treating it like a brand new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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:
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.

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 2020-06-18 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: OH

Complaint narrative:
CONTACTED EQUIFAX XXXX  AND XXXX  IN AN ATTEMPT TO FIX FRAUD ACCCOUNTS ON MY CREDIT REPORT. THEY ARE REPORTING FRAUD AND INACCURATE ACCOUNTS ON MY REPORT HENDERING MY EFFORTS TO OBTAIN CREDITS. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 pulled my credit to myself for the first time and I have 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. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$580.00} XXXX  XXXX {$280.00} XXXX XXXX  XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
I used Remitly.com for the first time to send some money to my relative in XXXX on XX/XX/2020. The funds have not been delivered to the beneficiary account as of XX/XX/2020 ( 13 days ). 

I have tried to reach out to the customer service of Remitly multiple times in the last 13 days, and haven't got my problem solved. They emailed me asking some extra information needed to process my case, and I replied right away. Again two days later, they asked me the same questions. And I replied that I had already submitted that information. 

I don't know how these big companies get away with their reckless behavior. I am very upset right now because my relative who needed money hasn't gotten it yet, and it's very upsetting for them too. 

I hope if CFPB could help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : XXXX  XXXX card service XXXX XXXX XXXX  XXXX XXXX  XXXX  auto finance XXXX XXXX

Company response to consumer: Closed with explanation