vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 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: CORELOGIC INC
State: TX

Complaint narrative:
Credco made so many hard inquiries to my credit report during my credit counseling and mortgage refinance that it dropped my credit score below the amount allowed for the loan I was requesting. There over 10 inquiries in the last 30 days. This is too many and ridiculous. The very importance for inquiry process was to help me get my house refinanced, not prevent me from doing so.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Difficulty in communication with credit reporting agencies by telephone or online.

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 2020-02-05 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:
I believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX XXXX, XXXX XXXX, the bureaus, XXXX   XXXX  and XXXX  XXXX XXXX. Please help me get these fraudulent accounts off of my credit permanently. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Yesterday, XXXX XXXX, I logged onto my bank account and noticed two withdraws from Pay Pal. One withdraw for {$20.00} and one for {$80.00}. I then logged into my Pay Pal account and saw there were two transfers to someone I didn't know. I immediately reported the unauthorized transfers to Pay Pal and changed my password to my Pay Pal account. Pay Pal supposedly investigated the unauthorized transfers, and yesterday they sent me an email stating, " We've completed our review of your unauthorized activity case, and we've determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' This is absurd. Somehow PayPal determined that transferring two random amounts of money to someone I've never sent money to before ( and indeed don't even know ) on the same day is consistent with my previous transaction history?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I purchased ticket for XXXX Concert using Zelle for {$150.00}. 
The ticket was was supposed to be transferred to my XXXX  account. It was never done. The $ was transferred out of my XXXX XXXX XXXX  Account. 

The money was transferred to Zelle account XXXX under the name of XXXX XXXX. 

This is a fraudulent transaction ... future attempts to contact XXXX XXXX were never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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 decided to get my credit report pulled because every time I kept applying for credit cards I would get denied. To the best of my knowledge I have always paid my bills on time. There are several items on my report that need to be removed. Can you please remove these items from my report. 

12 XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$4100.00} XXXX AR XXXX {$240.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX  TX XXXX {$240.00} XXXX  XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX XXXX {$460.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  TEXA XXXX {$240.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX 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 2020-02-05 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 decided to get my credit report pulled because every time I kept applying for credit cards I would get denied. To the best of my knowledge I have always paid my bills on time. There are several items on my report that need to be removed. Can you please remove these items from my report. 

12 XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$4100.00} XXXX XXXX  XXXX {$240.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX  XXXX  XXXX {$460.00} XXXX XXXX  XXXX  XXXX {$240.00} XXXX  XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX  XXXX {$460.00} XXXX  XXXX  XXXX {$510.00} XXXX XXXX XXXX  XXXX  XXXX {$240.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00} 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 2020-02-05 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: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC.
State: UT

Complaint narrative:
XXXX # XXXX is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: PA

Complaint narrative:
Experian has Report # XXXX for XX/XX/XXXX page 10 of 14 Inquiries shared with others XXXX   XXXX XXXX  XXXX XX/XX/XXXX I did not apply for no car loan on or to XXXX XXXX XXXX XXXX on XX/XX/XXXX I have also filed a fraud report on Experian to this transaction with the U S attorney office.

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 2020-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Financial Assistance
State: MA

Complaint narrative:
I got a call from a company called STUDENT LOAN FINANCIAL ASSISTANCE. This woman by the name of XXXX XXXX ( a real person ) said she would set up an account where I can pay XXXX for 3 months then XXXX  for the remaining and my loans would be forgiven. It sounded promising. She has my banking info and my social security number. This happened today XX/XX/2020. It happened around XXXX XXXX. I need them to pay for what they are doing to people that are in desperate need of help with student loan debt. I didnt submit anymore information after I thought about everything that happens but she does have my information and I did sign an online document which at the time I didnt think much of.I CALLED her number a zillion times and you can tell its a spam. no answer and weird noises when i tried to call. I called the original number back of them and a man answered and he put me on hold and never came back. I emailed her and she never responded.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: American Financial Network Inc.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX of XXXX, CA XXXX inappropriately obtained my credit report information from one of the three credit reporting agencies despite having been registered on the no-contact/opt-out lists with all three for almost two years now. They used this information to send unsolicited offers of credit to me in violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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:
I believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX  XXXX, XXXX XXXX, the bureaus, XXXX   XXXX  and XXXX XXXX  XXXX. Please help me get these fraudulent accounts off of my credit permanently. Thank you.

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 2020-02-05 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:
I believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX XXXX, XXXX XXXX, the bureaus, XXXX   XXXX and XXXX  XXXX XXXX. Please help me get these fraudulent accounts off of my credit permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
AN UNAUTHORIZED CREDIT INQUIRY WAS PULLED BY XXXX XXXX XXXX , XXXX . / XXXX XXXX XXXX XXXXXXXX XXXX. I DID NOT AUTHORIZE THIS INQUIRY. PLEASE REMOVE UNAUTHORIZED INQUIRY FROM CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Credit Inquiries reported in 2018. Multiple credit inquiries that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX XXXX solicited me an offer for a XXXX  one capital one card, there was a promotional over if you spent XXXX in a 90 days period you got XXXX dollar reward, or spend XXXX in a period of time you got XXXX, I qualified for the XXXX, was given the card at a XXXX credit limit, I intentionally spent XXXX on the card called in to see when my XXXX reward would come, none of the customer service agents seem to know anything about the program they referred it over to the rewards program they investigated and then called me told me that I didn't qualify for the program I tried to explain to them that no I was qualified for the program I signed up for that particular rewards program and was given paperwork supporting that the lady was extremely rude when it allow me to speak to a supervisor make a long story short I ended up hanging up calling back was on the phone for over an hour and a half finally they found that I did qualify I have this on recording and I was told that when my next statement came out that I would be rewarded XXXX dollars, and she noted it in the account that I had just reached my XXXX mark and that's why the first lady said I didn't qualify, here I am past the 3-month mark I've called in several times customer service acknowledges that they see the note in my account and it sure me that it should be applied at some point after the 90-days.XXXX XXXX is still offering the same reward perks online now. The only reason why I applied for the XXXX  card was for that reward program that's what caught my eye the only reason why out of my for credit cards I put {$500.00} on that card during XXXX time was for the XXXX reward, they are offering promotions and not following through with what they offer that is misleading and wrong.ive had to call in numerous times and spent alot of hours dealing with this on the phone the rewards department will not acknowledge it but yet supervisors in the customer service department and other departments to recognize it have noted in my account I want what was offered to me and what I qualified for I have paid off all of my capital one cards and prepared to close all of the accounts over this matter I refuse to use any of my capital one credit cards until this matter is concluded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was attempting to obtain an investment loan for my small business and the potential investor notified me that my credit report was frozen through Experian. I do not have an Experian account nor had I ever requested a credit freeze. I was also never contacted by Experian to be notified of the freeze. I was unable to use the Experian website to unfreeze my report because I do not have an account. It took two hours of calling different phone numbers and searching online before I was able to bypass the automated phone system and speak with a live human being. They were able to remove the freeze, however, I am reporting them because the freeze should never have been initialized in the first place. As said previously, I DO NOT have an Experian account and I NEVER requested a credit report freeze. This unauthorized activity nearly caused a catastrophe with my business finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I am responding to an inquiry on my credit report from Southwest Credit Systems about collecting a debt that is not mine, and that I do not owe. You contacted me by phone on several occasions and refused to identify yourselves and provide any information regarding the alleged debt. After further investigation on my part, I see from my credit report that the originating company is XXXX, with whom I have current service and an up to date account, with account # XXXX XXXX XXXX XXXX. This is the only account that belongs to be with XXXX. 

I have been in dispute with XXXX since transferring my service from one address to another back in XXXX 2019. I contacted XXXX 30 days prior to moving to notify them of my move so that services could be transferred. I also confirmed the total amounts due, which I paid in full. XXXX made several mistakes from that point on, prompting several more calls back to them to resolve. Then, they still failed to turn the services off at the old address, and someone else has been using the services in my name. I have filed a fraud claim and several disputes. 

This is NOT my debt and needs to be removed from my credit and any other associated accounts with my name or I will pursue legal action as this has negatively affected me. 

I do not have any responsibility for the debt you are trying to collect. 

Unless you have documentation that you can provide to me at the address above, that proves this debt belongs to me, which is impossible, as this is not my debt, this item needs to be removed immediately. 

Please also stop all other communication with me and with this address, and record that I dispute having any obligation for this debt until it is removed. Additionally, since this has been reported to the credit bureau, please update that this is disputed until it is removed. Again, this should be removed from anything associated with my name and /or address. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX , XXXX of XXXX, CA XXXX inappropriately obtained my credit report information from one of the three credit reporting agencies despite having been registered on the no-contact/opt-out lists with all three for almost two years now. They used this information to send unsolicited offers of credit to me in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
Acima Credit has reported to credit bureaus that I owe them over {$2000.00} for a mattress set, purchased in XXXX of 2018. This is incorrect. I wished to return the product due to the companys dishonesty in business. I was advised through email that they could not take the mattress set back, however I could donate it to charity and provide Acima Credit as the donators and the issue would be resolved. Acima credit told me to get a copy of the donation receipt and email it to them which I did and I was emailed back and advised that the issue was resolved and I no longer owed them for the mattress set. Now I am seeing this debt in my credit report and it is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: IL

Complaint narrative:
After submitting a police report and FTC Identity theft report the credit bureaus still have violated federal and state consumer protection laws and haven't removed the fraudulent accounts as of yet.

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 2020-02-05 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: Sovereign Lending Group, Incorporated
State: NM

Complaint narrative:
Sovereign Lending Group inappropriately obtained my credit information from one of the three credit reporting agencies despite being on all three 's no-contact/opt-out listing for almost two years now.  Attempted to resolve the issue with the company directly, then through the XXXX XXXX XXXX, but I continue to receive unsolicited offers of credit from Sovereign Lending Group in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/2020, I received a phone call from a 1800 number that appeared to be from Discover card. The person on the phone identified themselves as Fraud services at Discover. They proceeded to tell me that there were multiple fraudulent purchases on my account the needs to be verified. I told them that those weren't from me and she said she'll initiate cancellation. I got another call hours later from a number definitely a discover card number telling me that the card is sent out. I got a call today, from the same number, but the phone call sounds much more legit. I was told that there are still charges to my account. The new person was definitely more professional than the first people. It is likely that the first calls were not even from Discover and were fraudsters spoofing.

Company response to consumer: Closed with explanation