vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 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: NJ

Complaint narrative:
I have XXXX accounts thats on my credit and they dont belong to me. The credit bureaus have not contacted me in 45 days with a reponse I will type all the creditors here. Please help me they refuse to investigate and send me proof My wife and I were XXXX and I checked my credit because I was starting over and I saw all these accounts thats not mines I contacted each creditor and they said If I dont pay they would ruin my credit. I will upload a copy of the credit report delete all accounts XXXX XXXX, XXXX/XXXX, XXXX XXXXt, XXXX, XXXX XXXX  accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NEVER HAD STUDENT LOANS ALL THESE ACCOUNTS ARE DUPLICATES AND THE ACCOUNT NUMBERS ARE ALL DIFFERENT WHEN I CALLED THE TOLD ME THAT THEY CANT SPEAK TO ME BECAUSE IM NOT GIVING COREECT INFORMATION. THIS IS FRAUD. THIS ISNT MY STUDENTS AND I NEVER HAD A CAR. 

ALL ACCOUNTS ON CREDIT REPORT ATTACHED CIRCLED DOED NOT BELONG TO ME AUTO. SOMEONE EVEN TOOK OUT A LOAN AND PAID IT

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 2020-03-19 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:
This account appeared on my credit file and it 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 2020-03-19 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:
This account appeared on my credit file and it 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 2020-03-19 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: OH

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. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX  XXXX XXXX {$60000.00} US DPT ED XXXX {$2600.00} US DPT ED XXXX {$3700.00} DPT EDXXXX XXXX {$3700.00} XXXX  XXXX XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Reliant Capital Solutions, LLC
State: GA

Complaint narrative:
I went to the school XX/XX/XXXX to XX/XX/XXXX. The school was not accredited so when I moved out of state, none of my credits would transfer. I filed a borrowers defense case with the department of education, and they put my loan in a forbearance status while the matter is adjudicated. 

The collection agency still intercepted my Federal Income tax payment to apply to the loan, even though adjudication is still not complete on my case with the Department of Education. 

I want them to return my tax refund as they had no legal grounds to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am a young man, saving to buy a house so i open a savings account at navy federal. I finally save up a chunk of change, then my bank account was hacked, whoever was responsible opened an XXXX XXXX checking account ( i am just a citizen, and have never served ) then proceeded to transfer the majority of the money in the account out. I filed a fraud complaint with the bank ; however, they are saying i transferred all of my money to some random person. This is unacceptable and by far THE WORST COUSMTER SERVICE i have ever received from any bank or credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 non-monetary relief
Consumer complaint received 2020-03-19 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: UT

Complaint narrative:
XXXX, XXXX is reporting a debt on my credit file that has been paid years ago. I am not sure why XXXX is recently reporting this new debt for XXXX. I Paid this debt a long time ago and it should not be on my credit file. This is erroneous and needs to be removed.

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 2020-03-19 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: UT

Complaint narrative:
XXXX, XXXX is reporting a debt on my credit file that has been paid years ago. I am not sure why XXXX is recently reporting this new debt for XXXX. I Paid this debt a long time ago and it should not be on my credit file. This is erroneous and needs to be removed.

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 2020-03-19 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:
I applied for a XXXX XXXX credit card today XX/XX/20 and unfortunately, I was not approved because there is an account and a few inquiries reflecting negatively on my credit report. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from several different companies all of which I did not apply for and do not have any type of signed contract or agreement. None of the inquiries and account I listed on this report do not belong to me and I did not allow anyone to open this account or make these inquiries in my name. I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards this account. I already filed a police report regarding these suspicious items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: PA

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 2020-03-19 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: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # 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 2020-03-19 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:
My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on those reports. I was successful into removing inaccuracies from XXXX  and XXXX  ( some ) but not Experian even though I have tried many many times and had sent into supporting documents as well. They will not open up another dispute for any inaccuracies after a decision is made despite home having other supporting documents. Ive sent in those documents and they update information that are still inaccurate but will not allow us to dispute those accounts again..ever. Experian is the only credit reporting agency that continues to report inaccurate information about me and refuses to let me dispute those inaccuracies again despite having more information and supporting documents. Experian continually allows old disputed information to come back and again be reported on my credit report after it had been resolved and deleted in prior disputes. XXXX XXXX had already been deleted from my Experian credit report in the past but I dont know why its reappearing again without giving me the ability to dispute it again.

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 2020-03-19 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:
I applied for a XXXX XXXX credit card today XX/XX/20 and unfortunately, I was not approved because there is an account and a few inquiries reflecting negatively on my credit report. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from several different companies all of which I did not apply for and do not have any type of signed contract or agreement. None of the inquiries and account I listed on this report do not belong to me and I did not allow anyone to open this account or make these inquiries in my name. I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards this account. I already filed a police report regarding these suspicious items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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:
I applied for a XXXX XXXX credit card today XX/XX/20 and unfortunately, I was not approved because there is an account and a few inquiries reflecting negatively on my credit report. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from several different companies all of which I did not apply for and do not have any type of signed contract or agreement. None of the inquiries and account I listed on this report do not belong to me and I did not allow anyone to open this account or make these inquiries in my name. I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards this account. I already filed a police report regarding these suspicious items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've reached out to Wells Fargo several times regarding this fraudulent account that I didn't open. My identity was stolen and this account was opened as result of me being a victim of ID THEFT. I contacted Wells Fargo numerous times and provided Police Reports and other documentation supporting that I've never opened any account with them and that this was a result of my Identity being compromised. I wasn't even in the country during the alleged time this account was open and this information used to open the account doesn't match my Drivers License number or address, phone numbers or email. Wells Fargo continues to ignore the matter and this complaint has fell on deaf ears. If resolution isn't resolved then I will begin to take legal action against Wells Fargo and Credit Bureaus for reporting erroneous fraudulent 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 non-monetary relief
Consumer complaint received 2020-03-19 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: OH

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. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX XXXX XXXX {$60000.00} US DPT ED XXXX {$2600.00} US DPT ED XXXX {$3700.00} DPT EDXXXX XXXX {$3700.00} XXXX  XXXX XXXX {$400.00}

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 2020-03-19 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: OH

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. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX XXXX XXXX {$60000.00} US DPT ED XXXX {$2600.00} US DPT ED XXXX {$3700.00} DPT EDXXXX XXXX {$3700.00} XXXX  XXXX XXXX {$400.00}

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 2020-03-19 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:
I've reached out to XXXX XXXX several times regarding this fraudulent account that I didn't open. My identity was stolen and this account was opened as result of me being a victim of ID THEFT. I contacted XXXX XXXX numerous times and provided Police Reports and other documentation supporting that I've never opened any account with them and that this was a result of my Identity being compromised. I wasn't even in the country during the alleged time this account was open and this information used to open the account doesn't match my Drivers License number or address, phone numbers or email. XXXX XXXX continues to ignore the matter and this complaint has fell on deaf ears. If resolution isn't resolved then I will begin to take legal action against XXXX XXXX and Credit Bureaus for reporting erroneous fraudulent 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 2020-03-19 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 did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to 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.

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 2020-03-19 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 anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX   XXXX {$18.00} XXXX   XXXX {$670.00} XXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX XXXX   XXXX {$770.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$670.00} XXXX  XXXX {$840.00XXXX XXXX XXXX XXXX {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I had Equifax put a credit freeze on my account in early XXXX because of a number of hacking attempts. This month -- XXXX of XXXX -- we bought a new car and the salesman said he encountered a credit freeze. I explained the situation and told him I would contact Equifax to have it removed. I spent nearly four hours on the phone and online trying to get this corrected with no result. I wound up talking with two different men somewhere in XXXX, whom I largely could not understand and who questioned me about credit cards and other items I had 10 years ago. The online effort was just one continuous round and round with no positive result. I contacted our local U.S. Representative 's office who directed me to you. The car dealer wants to know when I can get this situation fixed, but I can not make contact with anyone at Equifax in XXXX. Please help! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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:
Not my accounts reporting

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