vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from 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 2020-07-27 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 ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: SC

Complaint narrative:
My Experian case number is # XXXX. When my credit report was pulled I had two reports from the Dept. of Education that showed up on the mortgage department 's derogatory statement. They mortgage company agent instructed me to send the document to them and Experian showing that the loan was paid in full and not just a closed account which may lower my score if seen as a derogatory report. I immediately sent a dispute online to Experian and uploaded the letter from the Dept. of Education to make sure it was seen and categorized as two positive reports. Instead of reading the document and verifying that they were placed as positive credit reports Experian deleted them from my report lowering my credit score. I was working hard on my credit score to close on my first  house using my VA Loan and now that has been jeopardized. When I contacted Experian to Monday XX/XX/20 at approximately XXXX they instructed me that they understood my situation and to request that the Dept. of Education submit an re-insertment form so they could correct the error. When asked could I speak to a supervisor I was told that one was not available for 3 hours. I called both agencies twice until a specialist from the Dept. of Education explained to me that it was a serious violation of the fair credit act and I should report Experian because it was their error and they should have went to their data base and corrected the error by reinserting the paid in full reports themselves, This matter is seriously effecting my chances of getting the house that I and my wife worked so hard for. I only ask that they put back my credit history in the proper category and restore my credit score. My contact number is XXXX ( XXXX ) XXXX and I hope this could be rectified 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 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Wrong ss number, does not belong to me, emails and calls wont stop. Asked them to remove.. chat, email, and phone calls made to them to clear this up.. Not mine, they called my work, swore at me, on sundays, and after hours legal. I want it removed off all three credit reports and to be left alone! I have also disputed with all three credit reporting agencies. they have my last four as XXXX i think. so it is not me as the last digit is wrong. going on two years of this.someone mustve used in my name if they did. NOT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items 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 2020-07-27 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 ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items 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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
Equifax is listing the incorrect dispute street address for American Honda Finance, aka Honda Financial Services. Equifax clearly lists the address for American Honda Finance as XXXX XXXX XXXX XXXX XXXX NC XXXX. This is clearly wrong, the correct address for HFS ' NC location is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Honda Financial Services also has an address in Texas - Honda Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX. What is the correct address for disputing information with XXXX XXXX XXXX, aka Honda Financial Services. This address provided by XXXX has probably been incorrect for YEARS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Wrong ss number, does not belong to me, emails and calls wont stop. Asked them to remove.. chat, email, and phone calls made to them to clear this up.. Not mine, they called my work, swore at me, on sundays, and after hours legal. I want it removed off all three credit reports and to be left alone! I have also disputed with all three credit reporting agencies. they have my last four as XXXX i think. so it is not me as the last digit is wrong. going on two years of this.someone mustve used in my name if they did. NOT ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 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 file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX {$24000.00} XXXX   XXXX {$3400.00} XXXX XXXX {$390.00} XXXX XXXX {$0.00} DPTEDXXXX XXXXXXXX {$5500.00} XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX {$24000.00} XXXX   XXXX {$3400.00} XXXX XXXX {$390.00} XXXX XXXX {$0.00} DPTEDXXXX  XXXX {$5500.00} XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Wrong ss number, does not belong to me, emails and calls wont stop. Asked them to remove.. chat, email, and phone calls made to them to clear this up.. Not mine, they called my work, swore at me, on sundays, and after hours legal. I want it removed off all three credit reports and to be left alone! I have also disputed with all three credit reporting agencies. they have my last four as XXXX i think. so it is not me as the last digit is wrong. going on two years of this.someone mustve used in my name if they did. NOT ME. Said they were an official

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: VA

Complaint narrative:
I noticed a negative account on my credit report from SCA Collections. I have never received any information about this account from the company reporting the information. The company has refused to send me information about this account

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 2020-07-27 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:
My bank called me to inform me that there was an 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 online 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.

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 2020-07-27 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 an 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 online 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.

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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a charge of XXXX deducted from my debit card from experian credit reports on XX/XX/2020. I didnt authorize or Sign up for this. Therefore i want it off my Card asap!

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 monetary relief
Consumer complaint received 2020-07-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
From XX/XX/XXXX until present XX/XX/XXXX. I have asked all three credit bureaus ( XXXX, Experian, and XXXX ) to remove all old addresses, and phone numbers. They continue to report mixed information. My current, and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. I have obtained letters from the court explaining that they do not provide information to the credit bureaus. I have opted out of XXXX XXXX and asked for a security freeze. I have a bankruptcy dated XX/XX/XXXX ID # XXXX XXXX XXXX XXXX Michigan  and disputed the bankruptcy several times, but they continue to report it. I would like the Consumer Financial Protection Agency to take the necessary steps to correct this unlawful act. Please investigate within the required time frame.

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 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted an application to Chase.com and was rejected because of 3 delinquent accounts that someone opened and subsequently closed with my social security number and someone else 's name. Chase would not disclose further information because my name did not match the name on the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: EQUIFAX, INC.
State: GA

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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : 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 2020-08-07 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: CA

Complaint narrative:
I had a car on my credit report paid off. I did not file bankruptcy on the car. The company is refusing to show paid off. The put paid off through bankruptcy. I sent the letter to the credit bearu to show the car was paid off but they did not change the report. This is causing my score and car credit history to be low and im paying a higher interest rate.

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 2020-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My problem isnt with these companies, but with my bank. I have used these apps for more than a year, maybe two. Now all of a sudden my bank will not let me connect and link my account. I don't know what the issue is, or what my bank changed. I'm not sure if you can even help me, but your site was given as an option with these apps to help. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
XX/XX/2016 I lived in XXXX XXXX XXXX, was diagnosed with XXXX XXXX and could not work any longer, and had no choice but to move out, talked with the landlord before I moved and she stated since it was a serious medical condition, it would not be reported as a broken lease. But now it is and it's hurting my credit badly. 
Now it's on my credit report and the apartments is under another management company and that manager is no longer there and they have no files on me at all. 
Hunter Warfield Inc XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX Original Amount {$3000.00} Balance {$3800.00}

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 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a car on my credit report paid off. I did not file bankruptcy on the car. The company is refusing to show paid off. The put paid off through bankruptcy. I sent the letter to the credit bearu to show the car was paid off but they did not change the report. This is causing my score and car credit history to be low and im paying a higher interest rate.

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 2020-08-07 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: CA

Complaint narrative:
I had a car on my credit report paid off. I did not file bankruptcy on the car. The company is refusing to show paid off. The put paid off through bankruptcy. I sent the letter to the credit bearu to show the car was paid off but they did not change the report. This is causing my score and car credit history to be low and im paying a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
On XX/XX/2020 i got an alert on my credit report that nationwide recovery system is trying to collect a debt that i have no knowledge of any agreement with them nor have i signed any contract with them nor there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I make my payments online on myloancare.com, the loan terms require no late fees to be charged until XXXX of the month. Until last month ( XX/XX/2020 ), there was no late fees charged when I made payment online before the XXXX of the month. This month ( XX/XX/2020 ), today when I tried to make a payment ( XX/XX/2020 ), the servicer is charging XXXX $ more to make the payment, and added terms on the following terms 0-5 days - no charge 6-9 days - XXXX $ 10-15 days - XXXX $ charge. 

LoanCare XXXX. XXXX XXXX XXXX, PA 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