vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 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: FL

Complaint narrative:
Please remove this account from credit report because that one never belong to me or any transactions made by me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 2019-11-11 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: FL

Complaint narrative:
Please remove this account from credit report because that one never belong to me or any transactions made by me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was an authorized user on a TJ Max card and its only on my XXXX  report hurting my credit. We have requested them to remove me but they have not. See attached doc

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 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
Called too many times to resolve. Also called original creditor and they say there is no debt for the time period. 
When calling AFNI directly, they will not help me unless I give SS # for which I dont have to under law for fear of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: MECHANICS BANK
State: MN

Complaint narrative:
On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: NY

Complaint narrative:
The accounts listed are not my accounts and I didn't have anything to do with or authorize any of this.

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 2019-11-11 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: AZ

Complaint narrative:
I was an authorized user on a XXXX XXXX card and its only on my Equifax report hurting my credit. We have requested them to remove me but they have not. See attached doc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: GA

Complaint narrative:
EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XXXX XXXX XXXX XXXX : XXXX -- >Date Opened -- -- >XX/XX/XXXX XXXX XXXXXXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX -- >Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXXXXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX XXXX  XXXX -- -- ->Inquiry date -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX -XX/XX/XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXXXXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX  -- -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX  XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX/XXXX -- >Inquiry date -- XXXX XXXX XXXX XXXX XXXX -- >Inquiry date -- XXXX XXXX -- -- -- -- >Inquiry date -- -- XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : XXXX, XXXX, XXXX XXXX , 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 2019-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had several cards with Capitalone. I have a credit card with them that begins in XXXX. This account was opened on XX/XX/1992. There have been making changes with this GMCard or XXXX  card. I have never been late until one time this year which I believe is the company problem. I have always had my auto payment on but when the company made changes it was turned off or removed. I never received a notice that I owed on this account since I did not make a charge of this account. I believe the charge is a charge for having the account. I have not been able to access this account on line and have been in touch with the company. They claim their going to mail me a form but I have never received it. Based on all of the changes and never being late in over 20 years I want the company to remove the late payment from the credit agency. When I called in the representative at the company agreed to put my automatic payment back on. 

I could not pay for something that Iwas not notified about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: BB&T CORPORATION
State: MN

Complaint narrative:
On XX/XX/2018 I went to XXXX XXXX  XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX XXXX  XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi is showing that I made a charge on XXXX in the amount of {$270.00} at XXXX. I've disputed the charge to no avail ; they say that the chip on my card was used. I've told them that even the merchant ( XXXX ) doesn't show in their Point of Sale system evidence of my card being used ; I've provided my correspondence with XXXX to them. I've called multiple times and had the dispute re-opened at least twice. No one ever reaches out to me in follow ; instead, I am always the one having to follow up. Finally, a few weeks after this happened, they closed my account and had to reissue my credit card ... so they obviously know my old credit card number was compromised!

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 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES THAT HAS BEEN DISMISSED. PLEASE REMOVE THOSE ACCOUNTS FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. ATTACHED ARE FORMS SHOWING PROOF OF THOSE DISMISSED ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES THAT HAS BEEN DISMISSED. PLEASE REMOVE THOSE ACCOUNTS FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. ATTACHED ARE FORMS SHOWING PROOF OF THOSE DISMISSED ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: NY

Complaint narrative:
The accounts listed are not my accounts and I didn't have anything to do with or authorize any of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: NY

Complaint narrative:
The accounts listed are not my accounts and I didn't have anything to do with or authorize any of this.

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 2019-11-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-11 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: PRESTIGE FINANCIAL SERVICES INC
State: MN

Complaint narrative:
On XX/XX/2018 I went to XXXX XXXX  XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX XXXX  XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: GA

Complaint narrative:
I have had several cards with XXXX. I have a credit card with them that begins in XXXX. This account was opened on XX/XX/, 1992. There have been making changes with this XXXX  or XXXX  card. I have never been late until one time this year which I believe is the company problem. I have always had my auto payment on but when the company made changes it was turned off or removed. I never received a notice that I owed on this account since I did not make a charge of this account. I believe the charge is a charge for having the account. I have not been able to access this account on line and have been in touch with the company. They claim their going to mail me a form but I have never received it. Based on all of the changes and never being late in over 20 years I want the company to remove the late payment from the credit agency. When I called in the representative at the company agreed to put my automatic payment back on. 

I could not pay for something that Iwas not notified about

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 2019-11-11 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJUSTERS XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX The above company is reporting a collection on my credit in error I do not owe this amount. My insurance company paid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: GA

Complaint narrative:
XXXX, XXXX  AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXXXXXX -- -- ->Date Opened -- -- -- >XX/XX/XXXX XXXX XXXX XXXX : XXXXX -- -- ->Date Opened -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XX/XX/XXXX XXXX XXXX XXXX : XXXXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX -- >Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX I -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX  -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX  -- -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX  -- -- -- >Inquiry date -- ->XX/XX/XXXX XXXX -- -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX -- >Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX -- -- -- -- >Inquiry date -- -- >XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names XXXX XXXX, XXXX, XXXX XXXX , 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