vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-04 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: NC

Complaint narrative:
There are many accounts and inquireies on my credit reports and i have reached out to creditors and credit bureaus with FTC reports and they are not responding to the letters i sent them and are causing many issues to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: NC

Complaint narrative:
There are many accounts and inquireies on my credit reports and i have reached out to creditors and credit bureaus with FTC reports and they are not responding to the letters i sent them and are causing many issues to 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 2020-01-04 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: NC

Complaint narrative:
There are many accounts and inquireies on my credit reports and i have reached out to creditors and credit bureaus with FTC reports and they are not responding to the letters i sent them and are causing many issues to 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 2020-01-04 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: NC

Complaint narrative:
There are many accounts and inquires on my report is due to identity theft and i have reached out to creditors and credit bureaus with no success or response from anyone.

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 2020-01-04 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: GA

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The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: GA

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 non-monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XX/XX/2015, I closed my business because I was selling my XXXX. I had called the XXXX branch of PNC bank to let them know that I was going out of business and asked if my daughter could close the account for me since I was going for XXXX  XXXX. They said I had to come in. Several days after my XXXX, my daughter brought me to the bank in XXXX to close the account. The girl in the office who could have been XXXX or one of her associates, said that they would be closed as soon as the last check came in. This obviously never happened! Someone didnt do their job! I have received a notice early on and was told it was a mistake. Over the years, I have told PNC Bank that I dont owe anything and I want them to stop calling me! They called me XXXX at night and harassing me! I finally asked my daughter to take over and talk with them because I was becoming ill and having XXXX XXXX. My daughter worked with them and found as many records and she could and brought them to the bank in XXXX, for them to do an investigation. To date, they have not given me any answers but continuously ask me other questions about names and dates I can not remember. My daughter called and told them to send our records back and that we are going to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: NC

Complaint narrative:
There are many accounts and inquires on my report is due to identity theft and i have reached out to creditors and credit bureaus with no success or response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: CITIBANK, N.A.
State: AL

Complaint narrative:
There are two fraudulent accounts reporting on my credit report that I have never applied for.

One from Citibank and one from XXXX. I NEVER applied for either account. And neither account is assigned to an address I have lived at in the past.

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 2020-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
Navient refuses to contact me via any method other than phone. They are changing my payment amount without notice and apparently arbitrarily. I'm being asked for over {$3000.00} a month in payments. I continue to make payments every month for many years and they still demand more money and report incorrect information to the credit bureau ( because they arbitrarily change payment amounts ). I continue to contact them every month to try and resolve this issue : they absolutely refuse to do anything but tell me to call them on the telephone. I don't want a verbal conversation where there will be dispute about what was said : I want a written record of promises made by the company. Every single time I contact them the response is the same : you have to call us, no exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: OH

Complaint narrative:
I need the following incorrect addresses removed from my credit report. I do not recognize them. I am looking to start a new job and my information is not right on my file. 
XXXX XXXX XXXX WAY, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
According to my personal records, Sun Trust bank always harass, threaten, contact me during night such as XXXX - the way same as some other criminal nuisance in Washington DC XXXX In the past, I already notified this bank to stop sending me emails during night especially during the mid night such as XXXX. However this bank never change its harassment and threat nature. Instead this bank constantly use false excuse such as charge monthly maintenance fee to steal money from my personal checking account. I have notified this bank at least 5 times in writing asking them to stop interfere the matters which were totally irrelevant with Sun Trust. ( see attachment ). Most recently, from XXXX, XXXX, XX/XX/2019 this bank used false excuse such as deduct XXXX  XXXX   monthly maintenance fee to constantly threaten me as a bank 's customer. In the past, I already filed two formal complaints with CFPB accusing Sun Trust bank 's criminal activities. Its behavior and conducts already committed criminal harassment, threat, intervene, interfere, bullying etc. toward me as a victim. Its criminal behavior was exactly like a funeral truck who carried two lines of lights driving toward me at end of 2019. That truck was attempted to access me just like the way Sun Trust deducted money from my checking account in XXXX, XXXX and XX/XX/2019. As I informed Sun Trust, you must pay all my damages {$25000.00} harassment charge for total at least 4 times. Insufficient promotional bonus {$500.00} for the year 2019 when customer like me completed 10 debit purchase and at least {$500.00} direct deposit. Plus under my urgent and extremely serious complaint to CFPB three times to ask return {$20.00} stolen money from my checking account. Until now you have not returned yet after you received my complaint 4  days already except the previous complaint in XXXX and XX/XX/2019. My attitude is very clear and my action is firm, I am NOT going to concede or deduct a penny toward your constant criminal activities. I am being harmed on the monthly basis. And I have great concern about my safety of deposit. As I informed you, the earliest you pay all my claims filed to CFPB as well as the claims filed to mycardbenefits, the earliest I will leave. If you want to interfere some other criminals matter then the default judgment owed by the other States is your debt : {$5200.00} XXXX plus 20 % interest and criminal restraining order & permanent restraining order ( Please do NOT send me emails or any contact during night. Opt-Out all marketing materials and contact such as call, email, mail, fax etc. ) I am NOT willing to concede. I am NOT willing to deduct a penny. As I said my decision is FIRM.

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 monetary relief
Consumer complaint received 2020-01-04 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: AL

Complaint narrative:
There are two fraudulent accounts reporting on my credit report that I have never applied for.

One from XXXX and one from Discover. I NEVER applied for either account. And neither account is assigned to an address I have lived at in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 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: NY

Complaint narrative:
I have previously reported these items was incorrect. It is not my account, i believe i am a victim of identity thief. The following accounts needs to be deleted : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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 AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 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 have tried to get rid of this account before it is not my account and i will like like it removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$370.00} COLL {$370.00} XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4700.00}

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 non-monetary relief
Consumer complaint received 2020-01-04 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Hello, I have a " Double Cash '' revolving credit account opened with CitiBank. Given I don't use the account and I'm currently trying to reduce my overall revolving credit limit to better qualify for a home loan, I've attempted to close the account. The account can't be closed via the CitiBank app, nor their website. CitiBank requires account holders to call to close their account. I've called a number of times and have gone through the automated prompts using voice commands. Each time, I've been connected to a representative who pretends they can't hear me over the phone. However, it's abundantly clear the representative 's feigned inability to hear is scripted because their interjections trying to greet me are repeated so quickly, one wouldn't reasonably have the ability to respond without them repeating their greeting over a response. 

Consumers should have the ability to manage their own credit, and I'm simply trying to close this account to get my overall open revolving credit under control.

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 2020-01-04 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: TN

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 non-monetary relief
Consumer complaint received 2020-01-04 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 NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.

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 2020-01-04 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 AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.

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 2020-01-04 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 have tried to get rid of this account before it is not my account and i will like like it removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$370.00} XXXX {$370.00} XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4700.00}

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 2020-01-04 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: TX

Complaint narrative:
I have tried to get rid of this account before it is not my account and i will like like it removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$370.00} XXXX {$370.00} XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've filed several complaints with Equifax customer care, most recently ( XXXX ). I have been unable to login to my www.myequifax.com account for several months. I have sent certified mail, made phone calls, sent emails and have not gotten a resolution. I am repeatedly told that they are " refreshing their servers '' and when I ask to speak with a supervisor they state one will call me in " 24-48 hours '' but none have ever called back. All of the direct toll free numbers go to overseas foreigners that read from a script and have no idea how to help you. My username is my XXXX, I know my password, I am able to reset it. I've reset my browser history, cache, cookies, network settings and so on to no avail. I've tried on different computers, such as but not limited to, the public library. 

I need access to my account as I am an ongoing victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: OH

Complaint narrative:
I need the following incorrect addresses removed from my credit report. I do not recognize them. I am looking to start a new job and my information is not right on my file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 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: OH

Complaint narrative:
I need the following incorrect addresses removed from my credit report. I do not recognize them. I am looking to start a new job and my information is not right on my file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-01-04 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: AL

Complaint narrative:
I recently checked my credit report and saw that there are two fraudulent accounts on my credit report. One is from XXXX XXXX and the other is from Discover

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 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: WA

Complaint narrative:
I have never asked or relieved money from XXXX but I am getting emails from a lawyer that there is a warrant. I am afraid to respond due to the fact it has to be a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I recently checked my credit report and saw that there are two fraudulent accounts on my credit report. One is from Barclay 's and the other is from 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