vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-26 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-11-26 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-11-26 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: SC

Complaint narrative:
There are unauthorized inquiries that are not related to any open account and they are 2 other accounts that the status on one is incorrect and the other is not reporting the correct dollar amount balance see XXXX XXXX enclosed for explanation

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 2020-11-26 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: FL

Complaint narrative:
My Complaint, is based on Experian not verifying an alleged bankruptcy that continues to stay on my Credit Report XXXX with their bureau. I contacted them online XX/XX/2020, they responded XX/XX/2020 stating the item is Certified to Experian. The Bankruptcy is not accurate and I was quite upset as this was an automated response. 
On XX/XX/2020 I requested from Experian a re-investigation of how their Bureau came to have this erroneous data on my report, per FCRA 611 ( a ) ( 6 ) and ( 7 ). I asked them to provide the person, address and telephone number of each Court official contacted regarding the alleged record. Also the Court that Validated the information, and the EXACT address. I also requested any documents from the Court regarding their initial investigation in my Experian report # XXXX. My request allowed them 15 days to complete their RE-Investigation as FCRA states. I requested in the absence of Documentation they immediately expunge the inaccurate record permanently from my record under XXXX. I received NO response so on XX/XX/2020 I wrote them requesting they immediately remove the Bankruptcy as they violated federal law by not doing so. I am uploading a letter from the Courthouse stating they do not verify BK filings with CRA 's, also my return receipt documents that show the company received my XX/XX/2020 letter on XX/XX/2020, also my 3rd letter XX/XX/2020, which Experian received on XX/XX/2020. I also enclosed a suppression letter, a security freeze from XXXX on XX/XX/2020 due to dark web activity on my accounts, and credit report requests by various banks in XXXX I did not authorize. Its very disheartening how Experian continues to verify inaccuracies on my report, and not respond in a certain timeframe that the FCRA allows them. My frustration is why I am making this complaint to the CFPB. Experian is NOT contacting the Court or any 3RD party data furnisher, just continuing to keep unverifiable items on my report. I appreciate any enforcement you can perform on my behalf to get this inaccurate information off my report quickly. I will upload my documents so you can see how I have attempted to resolve this wrong information many times, in a professional manner. 
Thank you very much. 
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 2020-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd

Complaint narrative:
Complaint to TransferWise Dear Whom May Concern, My TransferWise account got deactivated and money withheld because I used TransferWise to transfer money to invest in Cryptocurrency. I received an email stating the refund will be back to my bank account in a maximumof 3 workingdays, but still now l haven't received it. Please see the attachmentfor evidence. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, I called Chase to request a credit line increase since the holidays are approaching. The representative stated that there will be a hard pull from my credit report. For the record, my credit score with XXXX is XXXX, XXXX is XXXX, and Experian is XXXX. I even have a XXXX Bankcard Score 9 of XXXX which is exceptional. The representative placed my call for a long hold. When she came back she indicated that the request was denied and could not tell me the reason. She also indicated that I will get a letter in the mail indicating the reason in writing. I got the letter and the latter states : " Too many installment loans other than mortgage, automobile or student loans. '' I disagree with this since my credit behaviors speaks loudly that I am a low risk customer and I also have excellent credit across all bureaus. I have never missed a payment and to me this is not acceptable. I get mailers all the time to open savings and checking accounts with Chase, after this rejection ; I will not even entertain such offers from an organization that rejects excellent paying customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26 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: OK

Complaint narrative:
On XX/XX/2020 I sent them all documentation about those unknown and inaccurate account but no response it was over 30 Days now. I was a victim of Equifax data breach. I want to delete all unknown and inaccurate account or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: AL

Complaint narrative:
I have reached out to Equifax on several occasions about a bankruptcy, collection on my report from XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX. I have sent them proof that I have reached out to all creditors and they have yet been able to send any proof that this collection is mine, yet Equifax still has it on my credit report. They also have not shown me or told me how they have verified the bankruptcy as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I HAVE UNATHORIZED INQUIRES THAT ARE NOT RELATED TO ANY OPEN ACCOUTS I HAVE AN ACCOUNT THAT DOESN'T BELONG TO ME AND ANOTHER ACCOUNT WITH AMOUNT REPORTING NOT CORRECT AND ANOTHER ONE WITH IN CORRECT STATUS SEE WORD DOC ATTACHMENT FOR DETAILED EXPLANATION

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 2020-11-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
INCORRECT PRIMARY NAME AND ALIAS NAMES AND WRONG ADDRESS AND TOO MANY PREVIOUS ADRESSES THAT I NEVER LIVED AT SEE XXXX XXXX FOR FULL EXPLANATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I am in XXXX XXXX, Ca and began submitted my loan application on XXXX/XXXX/2020. It is now XX/XX/XXXX about 2.5months later and I am still not closed. They have sent me closing disclosures 5 times and each time there have been errors and it takes weeks each time for them to correct them. Also, keep in mind, your rate is NOT LOCKED and you pay a {$500.00} UP FRONT, NON-REFUNDABLE fee. So you are stuck with them after you submit your application. They did a bait and switch on me after quoting a great rate and terms, the closing docs showed {$1700.00} more in fees. The staff are very courteous and agreed to fix it, but just came back several times with more incorrect docs, stalling the process for weeks each time. The staff seem nice and hardworking, but they are totally disorganized and fail to execute. 

BOTTOM LINE : They are practicing bait and switch, and they will string you along until you give up and accept vastly higher fees or rates.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.

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 2020-11-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$43000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX  opened on XX/XX/2020 with a balance of {$43000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$0.00} -This is not my 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 2020-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I ordered online an order of dog food from XXXX. I never received the order. It was never delivered to my address. I filed a dispute with credit card company. They claim the package was delivered, they denied my dispute. I did not receive the merchandise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-26 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: OK

Complaint narrative:
On XX/XX/2020 I sent them all documentation about those unknown and inaccurate account but no response it was over 30 Days now. I was a victim of XXXX data breach. I want to delete all unknown and inaccurate account or I will file litigation.

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 2020-11-26 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: OK

Complaint narrative:
On XX/XX/2020 I sent them all documentation about those unknown and inaccurate account but no response it was over 30 Days now. I was a victim of XXXX data breach. I want to delete all unknown and inaccurate account or I will file litigation.

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 2020-11-26 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: SC

Complaint narrative:
No name listed on report and addresses is wrong and old addresses that need to be deleted I never lived there see XXXX XXXX attached for explanation

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 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion only has 30 days from the date I filed all of my disputes XX/XX/XXXX it's XX/XX/XXXX and they have not reviewed my information they are waiting for 60 days that is wrong 30 days is what they need Legally so I've called trans union they say that I'm on a blacklist and I don't understand why I can not talk to them on the phone they won't send me my credit report I can't get it through XXXX XXXX XXXX they will not send me the information that I am requesting I am going to sue them in my state in the courts. Trans union has don't corrected information on my credit report sent 4 months ago I sent them information to get XXXX XXXX off my credit they have not done that and I did not get any information back from them regarding that. This is abuse I have been humiliated this is an outrage with trans This is abuse I have been humiliated this is an outrage with trans union has done to be I am going to take further actions this needs to stop I'm not waiting 60 days I'll see you them in court before 60 days so tell them thatunion. They are holding information that they have no right to by themselves I want to know where my current credit report is I have the option to get it every week and they say I'm blacklisted I can't even talk to them on the phone this is ridiculous ...

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 2020-11-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$43000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$43000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$0.00} -This is not my 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 2020-11-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$43000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$43000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unable to get annual credit report with my valid name and ssn. Please help us.

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 2020-11-26 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: AL

Complaint narrative:
I have reached out to XXXX on several occasions about a bankruptcy and collections on my report from XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ), & XXXX. I have sent them proof that I have reached out to the collection companies and they have yet been able to send any proof that this collection is mine, yet TransUnion still has it on my credit report. They also have not shown me or told me how they have verified the bankruptcy as mine.Also, the other credit bureaus have deleted these as they were unable to verify some of these.

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 2020-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
WRONG BPRIMARY NAME AND ALIAS NAMES ARE WRONG AND NEVER USED THEM AND ALL PREVIOUS ADDRESSES NEVER LIVED THERE SEE XXXX  DOC FOR EXPLANATION

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