vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX  XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
someone has been using my information as a result now i have 15 inquiries on my credit report that i know nothing about i contacted the credit bureaus all they was able to do was adding a fraud alert but all those inquiries remain on my report, i sent letters to the creditors and all three credit bureaus. nothing was done about and by law they had 30-45 days to respond i never heard fro neither of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America had and offer on my app to open a business account and receive $ XXXX.I first went into a branch location and tried to open the account but was told I had to go through my app and open the account online. I opened the business account in XXXX of XXXX for XXXX XXXX XXXX XXXX. There were stipulations for getting the bonus : deposit {$3000.00} in 90 days and make XXXX electronic transactions which I fulfilled well before the expiration date. When I had not received the money by XXXX of XXXX I called and was asked to wait until XXXX which would be 90 days passed the date of my fulfillment. I called in XX/XX/XXXX and spoke to XXXX XXXX who escalated my case and gave me the reference number XXXX. 
Still no bonus money. I called again on XX/XX/XXXX XXXX XXXX  and spoke with XXXX who advised me to wait yet again 90 days past the escalated date of XXXX. I called again on XX/XX/XXXX at XXXX pm and was told a supervisor would call me by XXXX XXXX  the following day. I did not receive a call. I called the XX/XX/XXXX ath XXXX and requested a supervisor, I spoke with XXXX who advised that BOA was having trouble finding the promo code for the offer and said she would call me back. Still no phone call. I did everything correct to receive the bonus and believe I am entitled to 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 monetary relief
Consumer complaint received 2020-05-20 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 was made aware of an account and several inquiries appearing on my credit report that do not belong to me. I found out today XX/XX/20 because I had my credit ran to see if I pre-qualified for a home loan. I had no idea these inquiries and account were on my credit report because that are not mine and I didn't give anyone else permission to open this account or make these inquiries in my name. I don't know who is responsible for this but I have already filed a police report. I do not have any written/verbal contract with any of the companies listed on this report and I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit. I have filed a complaint with the CFPB regarding these inquiries and account that were opened without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX  XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$150.00}

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 2020-05-20 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX  XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$150.00}

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 2020-05-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   Company Inquiries XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   Company Inquiries XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, XXXX, EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 2020-05-20 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX XXXX {$21000.00}

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 2020-05-20 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX XXXX {$21000.00}

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 2020-05-20 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: World Omni Financial Corp.
State: AL

Complaint narrative:
On XX/XX/XXXX, I had an XXXX XXXX interview for XXXX employment. During the investigation, I learned that the only derogatory note on my account was a " Charge Off '' from Southeast Toyota Finance. It was related to a XXXX XXXX XXXX lease. At the end of the lease, I paid the final balance in three ( 3 ) payments. 

On XX/XX/XXXX, I spoke with Southeast Toyota Finance and learned that a charge off was incorrectly placed on both my wife and I credit. The representative requested that we initiate a dispute even though SETF placed the derogatory information on our credit in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/XXXX I enrolled in XXXX  XXXX XXXX XXXX  XXXX. As with most XXXX universities, it was extremely expensive, much more than anything my non-college educated mother or deceased father could pay. Unfortunately my mother was unable to complete her taxes on time when it was my turn to apply for college funding. Being XXXX and claimed as her dependent, I needed her tax returns to apply to federal college funding, FAFSA. With no one to assist me I applied for private student loans ; one from XXXX XXXX, XXXX XXXX, and XXXX, which has since been sold to Discover. 



My full tuition totaled to about XXXX, all of which I borrowed from these private banks with variable interest rates. XXXX sold my loans to Discover, which have a variable interest rate, mostly hovering between 11 and 13 percent. Since XXXX I have made my payments on time consistently yet my balance remains larger than the original amount borrowed. XXXX was the borrowed amount and I have given Discover nearly XXXX and only XXXX went towards the balance. 


Before I was laid off by the current pandemic ( XXXX industry ) my average annual income was XXXX. And because my debt to income ratio is too high, I do not qualify to have my loans refinanced. I have been turned down by every company I applied to. What else does this mean? I will be denied for a home loan, car loan, and most other steps towards a future. The American credit system says I am too broke to get help. 


For eight years post college graduation, I have paid over {$1000.00} a month to all of my loans yet I owe more than I borrowed and it is impossible to get out of this hole of debt or go anywhere with my life. 


After years of cries for help falling onto deaf ears at Discovers call center. I finally contacted the corporate office in Delaware. The woman who answered, claimed she opened an investigation on my account. It has been a month and I have not received a call back. Half of the time I call, the phone rings for a few seconds then plays an automated message saying the number is no longer in service. 


I'm writing to ask for help by some sort of regulation to not allow this to happen any longer. It is crippling my generation and will lead to a very imbalanced socioeconomic future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$730.00} XXXX  XXXX {$1000.00} XXXX  XXXX  XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX  XXXX {$730.00} XXXX  XXXX  XXXX {$75.00} XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I logged into my SunTrust account and noticed a charge to XXXX for {$1300.00}. I immediately got in touch with XXXX and found out that someone hacked into my account, ordered an XXXX  computer and was having it shipped to Texas. I was able to get with XXXX and they were able to stop the order before it was sent to Texas. They emailed me saying that an unauthorized charge had occurred and that they have locked my account, deleted everything with the order and to disregard any order emails that may come through. They said my bankcard with Suntrust was charged {$1300.00}, and that I will need to dispute this with Suntrust. Once this is done they would then charge back the merchant. They said the refund would not come from XXXX. I'm attaching the email from XXXX that references this information, as well as another screen shot on XXXX. On the screen shot, if you type in the order number, it says " this was an unauthorized order and has been deleted from your account. We have sent you an email with the details ''. I disputed this charge on XX/XX/XXXX and I received an temporary credit while they investigated. A few weeks later I received a letter saying my dispute was denied and I will be charged the {$1300.00} in two days. No proof was give, but they said I can request documentation. I immediately contracted Suntrust bank and let them know. They said I would have to fill out a rebuttal form, which took them two days to email to me. I immediately filled it out and faxed with the emails from XXXX and the screen shot I'm attaching. I spoke with Supervisior at Suntrust and she noted everything on my file and said it should be cleared up quickly and that I also wanted proof of the denial. I have never received anything from them except headaches and wasted time on the phone. I told the Supervisor that I would give them until Monday XXXX of XXXX to either apply another temporary credit while they investigate or provide proof of the denial. Otherwise I would be filing a compliant. I gave them two extra days and with no response from them, so I wish to file a compliant against them. Please let me know if you need anything else from me. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$730.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$300.00}

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$730.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX  XXXX {$730.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$300.00}

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 2020-05-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
someone has been using my information as a result now i have 15 inquiries on my credit report that i know nothing about i contacted the credit bureaus all they was able to do was adding a fraud alert but all those inquiries remain on my report, i sent letters to the creditors and all three credit bureaus. nothing was done about and by law they had 30-45 days to respond i never heard fro neither of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$390.00} XXXX  XXXX  XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
Credit reporting agencies are reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating that they do not provide any information to any credit reporting agency regarding bankruptcies. I demand that XXXX, XXXX, XXXX  and Lexis Nexus provide the name, date and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.

Company response to consumer: Closed with explanation