vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I have 2 accounts I am an authorized user on because I am helping a family member get there grocery 's and and stuff due to what's going on in the world. For some reason It has not be updated but I will send you a screen shot of my family member 's cards that I am on both. I have spoken to both credit card companies which have admitted they sent to XXXX XXXX  and transunion. For whatever reason they are not coming up on my credit report and i need this all updated as soon as possible as there customer service reps at XXXX and XXXX XXXX told me. Under the fair credit reporting act I believe I am within my rights and I just want my information all accurate. Thank you for understanding.

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 2020-05-26 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: Nelnet, Inc.
State: GA

Complaint narrative:
My ( XXXX XXXX XXXX XXXX ) credit report concerning my Nelnet Student account is inaccurately reported. On XX/XX/XXXX, I submitted a letter to Nelnet Student Loan about the inaccurate information on my credit report which shows I was late making payments on XXXX, XXXX, XXXX, XXXX XXXX and XX/XX/XXXX. I filed a forbearance application in late XXXX for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. My credit report is showing forbearance starting XX/XX/XXXX. In my forbearance application to Nelnet, I requested that my forbearance start XX/XX/XXXX for one year because I fell and injured my XXXX. 

I am making an official complaint to the credit reporting agencies to have corrections made on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On my credit report on both the XXXX XXXX XXXX XXXX XXXX, it is being reported that I have 2 accounts open with BJs club, one for the amount of {$7700.00} and another for the amount of {$7500.00}. This information is incorrect as I only have one account open with BJs with a current statement balance of {$7400.00} as of XX/XX/26 but its being reported as 2 total accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Item purchased at whats was supposed to be sears outlet store that belongs to sears at XXXX XXXX XXXX XXXXXXXX XXXX il XXXX to find out this is not sears. I used my sears credit card on this purchase but i never received the item. they could never deliver it when I set time to be at home, I have not received anything so i cancelled order. But I have paid my sear credit card for the item in full. I cant get my money back from the credit card or the store when they have not and did not deliver the item and i cancelled the order and paid for delivery.

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 2020-05-26 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were 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 accounts from my report as soon as possible. XXXX  XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$10000.00} XXXX XXXXXXXX {$470.00}

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 2020-05-26 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were 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 accounts from my report as soon as possible. XXXX XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$10000.00} XXXX XXXXXXXX {$470.00}

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 2020-05-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, I have car loan with Fifth third bank. My account number is XXXX. My XXXX is XXXX. My address is XXXX XXXX XXXX XXXX CA XXXX I have auto payment with this bank and I keep money in my account for car payment but they didnt charged payment from my account and posted late payment on my credit report its hurts my credit score so badly. I didnt notice earlier because I was being busy in my wedding I was married in XX/XX/XXXX. And now Im planning to extend my business but because of my credit score Im not able to do nothing. I have trucking business and because of Fifth Third bank they messed up everything. If I will not get my credit score back I have to wait until year to be a good credit. I send them email They didnt replied me and then I call them and explain what they did and they said they cant able to do nothing and I dont have a auto payment. If you want you guys check my credit history I never had any late payment. Please help me to fix my credit. I will very thankful of you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMEX had cancelled my CC account [ AMEC Card No. - Last 5 : XXXX ] as they had terminated their relationship with the alliance [ XXXX  ]. 

However, they had continued to charge me monthly/annual interest fees as well as some late fees. 
I understand that thee fees are not permitted once the grantor [ AMEX ] cancels the card. 

I therefore will not make any monthly payments on the account until the problem is rectified ; reimburse my interest and fees since the date of the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: VA

Complaint narrative:
XX/XX/2020 Fake amount of money {$840.00} XXXX XXXX XXXX XXXX PO Box XXXX XXXX, FL XXXX Fake Account Number Itemized Bill Fake bill Contacted XXXX XXXX XXXX, a fake bill collector. They claimed they are a 3rd party debt collector, but they are not. They could not give me an original debt collector number or address. They are completely lying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TX

Complaint narrative:
I went to XXXX XXXX XXXX to shop for an XXXX. As I was getting ready to pick the one I  wanted I sat with my sales man, He told me I had to get my credit pulled to see if I was able to finance the XXXX. We took a look at my credit report and the items listed on my report do 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 2020-05-26 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: TX

Complaint narrative:
I went to XXXX XXXX XXXXXXXX to shop for an XXXX. As I was getting ready to pick the one I  wanted I sat with my sales man, He told me I had to get my credit pulled to see if I was able to finance the XXXX. We took a look at my credit report and the items listed on my report do 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 2020-05-26 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 collection/chargeoff in the amount of {$340.00} on the XXXX  XXXX   partial account number XXXX ; XXXX   and Transunion should not be reporting a collection/chargeoff in the amount of {$690.00} on the XXXX  XXXX  partial account number XXXX ; Transunion should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX  XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these 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 2020-05-26 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 collection/chargeoff in the amount of {$340.00} on the XXXX XXXX partial account number XXXX ; XXXX   and XXXX should not be reporting a collection/chargeoff in the amount of {$690.00} on the XXXX XXXX partial account number XXXX ; XXXX should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these 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 2020-05-26 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: DISCOVER BANK
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL MY REQUIRED ITEMS TO XXXX XXXX AND TO DISCOVER, THE CHARGES ON THIS PERSONAL LOAN IS FRAUDULENT. I HAVE NEVER REQUESTED A LOAN OF ANY KIND FROM XXXX. SOMONE STOLE MY INFORMATION AND OPENED A LOAN ACCOUNT WITH XXXX. I HAVE SUBMITTED ALL REQUIRED ITEMS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX I had opened a new checking account with Santander Bank, N.A. I had used a promotional code to set up my checkings account to receive a bonus of XXXX $ after haveling a direct deposit of XXXX or ore in the first 90days of opening the account. I did reach the limit and I waited the full 90days. Now it is well beyond 90 days and I still have yet received my promotional agreement. I did reach out before my 90days where met and they did confirm my account would qualify for 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 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recoveries has 2 accounts on my credit report. I have repeatedly disputed these accounts on my credit report due to inaccurate balances. I have asked for proof of balances and instead Portfolio will continue to send letters demanding payment. Ive never received actual proof of me owing the balance they claim I owe. Please remove these accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NE

Complaint narrative:
COINBASE transfer to a FRAUD SCAM Brokers : XXXX XXXX XXXX I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX - the Company. 

The funds were transferred utilizing COINBASE 's services in the total amount of XXXX USD! 

I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE. 

I feel like at the end of the road there is no future for me, all my money was depleted. I am in embarrassment to my family. I was planning on living off my life savings all of which have been stolen, depleted all due to COINBASEs criminal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were 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 accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were 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 accounts 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 2020-05-26 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were 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 accounts 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 2020-05-26 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: PA

Complaint narrative:
On XX/XX/2020 I applied for a XXXX XXXX XXXX through XXXX XXXX  and got denied instantly. I called XXXX XXXX  they said I was Denied because they could not identify me through the credit bureau Transunion. They told me to call Transunion. I called Transunion and they had my address wrong my middle name spelled incorrectly and my phone number wrong. I told them I was denied credit because of your wrong information. They said we do not decide whether you get credit or not call XXXX XXXX. XXXX XXXX  told me we just approve or denied based on what Transunion tells us. Attached is the letter I got from XXXX XXXX. I wanted the Hard Inquiry off my Transunion report since they had the wrong information. Transunion said they can't take it off call XXXX XXXX. XXXX XXXX  says they won't take it off it is a Transunion issue tell them to take it off. I want it off my report and each one is telling my it is there responsibility to take it off. I want it off my 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 non-monetary relief
Consumer complaint received 2020-05-26 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 collections/chargeoffs on the XXXX & XXXX account number XXXX ; XXXX ; XXXX ; XXXX and XXXX and XXXX. XXXX  and Transunion should not be reporting collection/chargeoff for account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these 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 2020-05-26 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 collections/chargeoffs on the XXXX XXXX  XXXX account number XXXX ; XXXX ; XXXX ; XXXX and XXXX and XXXX. Experian and XXXX  should not be reporting collection/chargeoff for account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these 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 2020-05-26 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:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL MY REQUIRED ITEMS TO TRANS UNION AND TO XXXX, THE CHARGES ON THIS PERSONAL LOAN IS FRAUDULENT. I HAVE NEVER REQUESTED A LOAN OF ANY KIND FROM XXXX. SOMONE STOLE MY INFORMATION AND OPENED A LOAN ACCOUNT WITH XXXX. I HAVE SUBMITTED ALL REQUIRED ITEMS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM 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