vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Between estimated years XXXX I was a victim of identity theft from multiple unknown entities most of medical student and credit card debt that was fraudulently opened in my name without my knowledge as I was in and out of inpatient facilities, group home/state ran facilities for XXXX I sustained from XXXX under care of the state no income or assets. In XXXX I was able to move back home and try to establish my identity credit and background after also going through a divorce in XXXX of XXXX without my knowledge and granted in ex husbands favor as I was in inpatient care in a hospital setting as this was granted. I was never able to change back my last name to my maiden name as Im still struggling to establish long term employment over activities in my credit and background report that should very well NOT be there. I can give information of ones I suspect to have made these charges and openings in my name but it is unknown to me what is showing thats preventing me from gaining adequate and long term employment as well as establishing identity in organizations. I need help in restoring my name credit and background. I have threatening harassing misrelated relayed information constantly in play to me and constant spamming of phone calls letters emails voicemails important document/information theft/ loss of employment from matters unbeknownst to myself or my knowledge. i need a freeze and investigation into who is using my name and what is circulating as Ive already established reports with the credit bureaus, and see some unknown activities but doesnt clearly state the details in them as I did not open them, and every time I dispute these charges stay or I find new charges. I have tried to build my credit with a financed loan, ONE loan, to help me further my livelihood after all of the hardships I have faced, and somebody is using me for fraud preventing me from being the productive member of society I worked so hard for!! This is preventing me from going back and furthering my education. I need this investigated and handled now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # XXXX Account # XXXX MONTGOMERY WARDS, ACCT # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Business Checking account with them back in XXXX and now I'm supposed to receive a {$500.00} bonus. I already submitted a complain here earlier ( XXXX ) and Citi responded finally that they need my EIN number, even though I already provided the XXXX with it back in XXXX when I opened the account in Branch. 

I went back to the Citi branch and filled out the W9 last week. They asked I put my SSN, so i did and then they called back saying they need my EIN number instead. So i had to go back in again to fill it out wtih my EIN this time. In the letter I received from corporate ( attached ), it says to call Citi after doing so and they will pay out the bonus. The investigation done weeks ago already said i qualified for the bonus according to the letter. 

So i called back again, and after being hung up on the first time without saying a word, i spoke with someone who then transferred me twice, i finally spoke with a rep named XXXX XXXX employee # XXXX ) and he kept telling me to go back into the branch again, even though the letter says to call the business line after i submit my W9. He said he couldn't read the same letter i received, but insisted that they couldn't assist me with the investigation. SO i went to the branch again and they told me he was wrong, and I had to call in. 

So now i'm stuck again and have been waiting months for this bonus that i was promised. I call and they say to go in branch, and i go in branch and they say to call.

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 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank is billing me for a credit card I do not have! 

I have XXXX recorded complaint phone calls with chase bank. They always demand the credit card number which I do not have because I do not have the card. Then they just say they can not do anything. 

Then I receive another threatening email claiming late fees, credit report violations and demanding money for a card I do not have!! 

Please help, Very kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-24 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: GA

Complaint narrative:
Equifax has failed to separate my information from my siblings. Equifax disputes were previously submitted ; however Equifax has failed to correctly fix the disputes. My siblings and I have similar names, but separate dates of birth and separate social security numbers. In 2020, I called Equifax 's number in order to obtain a copy of my free credit report before applying for a loan. The Equifax automated system pulled my information and the credit report was sent. After I received my report, I applied and received a loan through XXXX XXXX XXXX XXXX. The loan through XXXX XXXX XXXX XXXX was successfully paid off, and I was in good standings with XXXX XXXX XXXX XXXX. 
My sister recently, created a MyEquifax account using all of her personal details. After the account was created, she noticed that all of my personal information displayed under her newly established MyEquifax account. Since then, several disputes were submitted, and Equifax failed to resolve the issues my separating our details as well as correctly attaching the correct social security number to the correct person. Somehow, Equifax has merged our personal details, and we really need this fixed accordingly. 
There a several disputes with Equifax that are listed on my sister 's MyEquifax account. Both of us tried to get this corrected. Equifax also inaccurately placed my disputes under her username and login information. The disputes listed were not resolved correctly by Equifax. The Equifax dispute numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. We have also disputed and escalated our concerns and the file confirmation numbers are : XXXX and XXXX. Equifax has given us the run-around. This is causing me financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 non-monetary relief
Consumer complaint received 2022-05-24 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: AZ

Complaint narrative:
I made monthly payments on a car that was totaled and mostly paid off by my insurance shortly after purchasing. I contacted the financing company prior to the final payment that was due where I was informed that they were still charging interest on a vehicle that no longer existed and would receive a large refund and did not owe the final payment. This was XX/XX/2019. In XXXX of 2019 a very rude woman called me from a collection agency demanding I pay the final payment, I attempted to explain to her that I did not owe it and XXXX owed me , she insisted I tell her where the vehicle was, which I stated in a junk yard somewhere now owned by XXXX as it was totaled a year prior, she was beyond ridiculous insisting I stole a destroyed car. I then called XXXX who apologized and said they would handle the situation. About a week later I received a check in the mail for approximately {$1400.00} from XXXX for the extra $ I had overpaid them over the remainder of the car loan. They are still reporting that final payment was 30 days late, when obviously it was not. 

I need this lifted from my credit asap, it has been affecting my abilities to raise my credit score, my abilities to re-finance my new vehicle and more. Im tired of paying a price for something I did not do. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the itemsI demanding to be deleted 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 2022-05-24 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I filed a dispute for a XXXX XXXX bill that went into collections providing proof of the lease at my next apartment showing that I was not in occupancy at the time of the bills. The bills are a fraudulent use of gas after I was no longer at this apartment. I provided the lease and details to the credit agency and the debt collector and it has not been removed and their latest dispute shows the info valid. It is wrong. I can provide the lease at my next apartment if that is of value, Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : TRANSWORLD SYSTEM INCXXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: KS

Complaint narrative:
I recently pulled my credit report and noticed the following errors hurting my credit and good character. I know it is my write to dispute this inaccurate information and have a reasonable investigation performed to remove the item. 

XXXX XXXX Account number ( XXXX ) ( XXXX ), Delete this charge off because you are reporting the date of last active, XXXX as XX/XX/XXXX Experian as XX/XX/XXXX. also the account numbers are different on each report. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX  XXXX Account Numer ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

attached is a copy of my credit report highlighting the inaccuracies noted above regarding my credit 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 2022-05-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: NJ

Complaint narrative:
This is a credit card or line of credit and it moves my utilization to 102 % which is highly negative because they don't show the limit. I've provided the attached from XXXX and they continue to state that it reports properly. I currently have a limit of {$8300.00} ( which Experian reports as {$0.00} ) and utilization of {$7500.00}. This wrong reporting seriously damages my credit score. 



Account info Account name XXXX  XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$8300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$460.00} Credit limit - Highest balance {$9000.00} Terms 1 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