vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX  XXXX {$15000.00} XXXX  XXXX {$950.00}

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 2020-07-08 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX  XXXX {$15000.00} XXXX XXXX {$950.00}

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 2020-07-08 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: NC

Complaint narrative:
On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid off a car loan 4 years and they never sent a release of Lien letter to XXXX nor to me. After filing my complaint with the XXXX, XXXX XXXX the CEO of the credit union pulled my credit and caused my score to drop 23 points. I didn't authorize them to do so. It was done in an act of retaliation. There was no reason for them to do so. I have been working with a credit repair company an I explained that to Mr. XXXX. On or around XX/XX/XXXX, I checked my credit report and found that XXXX XXXX XXXX XXXX had pulled my credit report without authorization from me to do so. I didn't apply for any type of loan. Therefore they had no right to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Current.com was to send me and my child a credit card. The card never arrived. The company never answered emails/call/texts to address the missing card issue. The company has not addressed securing my Personal Information and Sensitive Data being collected. Current.com. Current App.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My wife, XXXX, found out some information that her father, XXXX XXXX XXXX, apparently had purchased some CD 's in trust for her and three siblings. From what she found out they were now being held by PNC Bank. In trying to talk with PNC local branch, she is apparently being blown off. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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. XXXX   XXXX {$500.00} USDEPED  XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX XXXX, I hope all is well. My name is XXXX XXXX I have an account with TD bank # XXXX. 
My family and I were impacted by Covid-19 and when I called sometime in XX/XX/XXXX I had explained my situation however, my funds were not credited back to the account. 
Last year XXXX my debit card with TD was lost. I contacted them immediately once I discovered my card was lost. After receiving my new card I assumed all transactions on the old card would no longer be valid or no payments could be processed. Fast forward to XX/XX/XXXX XXXX XXXX had gone into the old / closed debit card and retrieved funds. Again, I immediately was in touch with TD to explain what happened and to please give me back my money. Later, in the month of XXXX my debit card was finally closed after reporting it 1 year later. I then reiterated once more I closed my debit card last year and this should not have been honored by my bank. 
Can you please help us figure out what happened and why I did not get my money back? 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
new coolection on credit report from unkwn agency

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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. XXXX XXXX {$500.00} USDEPED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}

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 2020-07-08 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. XXXX XXXX {$500.00} XXXX XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}

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 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: FL

Complaint narrative:
Every morning for the past month at about XXXX XXXX Enhanced Recovery XXXX calls to collect debt that has already been paid to the original creditor, XXXX and XXXX. This company has purchased these accounts. They never leave a message to have you call back nothing. Just straight robo calling nonstop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TIDEWATER FINANCE COMPANY, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX is currently reporting to the credit agencies that I still owe a balance although the account was settled in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 2020-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My husband is currently XXXX. We turned in his XXXX XXXX lease. We did not release because of his XXXX. GM Financial is now claiming we must pay {$700.00} in lease disposition fees. I explained my husband is XXXX and asked if there was any coverage under the service members relief act. I was told there was not, I need to release a vehicle. It's physically impossible for me to drive two cars at once. I am looking for assistance in understanding the relief act and holding companies responsible for such actions as this. My husband puts his life on the line every day for our country and all GM Financial cares about is {$700.00}. We did plan on releasing when he returns home, so I asked if we could postpone charges as we did plan on a new vehicle when he got home. Any help would be greatly appreciated. GM Financial account number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I noticed a charge on my PayPal account for {$50.00} on XX/XX/2020. I had never heard of the company, XXXX XXXX XXXX, so I contacted PayPal on XX/XX/2020. They informed me that the case is closed because they determined the transaction was authorized. I have no idea who this company is and still feel I was scammed. Any help on your part will be greatly appreciated. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 2020-07-08 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 2020-07-08 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY ACCOUNTS THAT I HAVE OPENED PREVIOUSLY. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT AN INVESTIGATION TAKES PLACE SO THAT THIS ACCOUNT CAN BE REMOVED FROM MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG 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 2020-07-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with XXXX XXXX for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to XXXX, XXXX  and Equifax ; with no resolution. 
I am attaching a copy of my auto lease that I signed with XXXX XXXX along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with XXXX XXXX for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to Experian, XXXX and XXXX  ; with no resolution. 
I am attaching a copy of my auto lease that I signed with XXXX XXXX along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.

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 2020-07-08 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:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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