vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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: NJ

Complaint narrative:
I am a victim of identity theft

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 2020-09-17 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 am a victim of identity theft

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 2020-09-17 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:
I would like to Dispute these Account I did not Authorize or give any consent to these companies on my Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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 would like to Dispute these Account I did not Authorize or give any consent to these companies on my Accounts

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 2020-09-17 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: OneMain Finance Corporation
State: GA

Complaint narrative:
Accounts was not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I am a victim of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Veros Credit, LLC
State: OK

Complaint narrative:
I got financed for a used vehicle that totally broke down after a month of getting it. 
I volunteered to get it repoed. They cussed me out and continued to threaten me to pay on it even though I couldnt drive it and said they arent going to put it as voluntarily. 
The remaining balance is incorrect. All the numbers are incorrect. 
They continue to bash my credit month after month after closing my account. They wont talk to me and keep hanging up on me. Its Veros credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF 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 2020-09-17 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: GA

Complaint narrative:
I've disputed a Bankruptcy on my report and was told by the credit bureaus that they verified the information with Lexis Nexis. I called Lexis Nexis to dispute the information and asked how was this information verified. Lexis Nexis me they received the verification from XXXX   and the courts. I emailed XXXX  to inquire about this verification process and they stated they do not provide verification of consumer information ( as stated in my attached email ). This is not my account and I've asked for this to be removed from my Lexis Nexis account as well and all three of the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Lendmark Financial Services
State: GA

Complaint narrative:
Accounts was not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: ID Analytics, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, OH XXXX. I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX accounts yet only one is reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF 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 2020-09-17 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
In XXXX I was refinancing my home and this fraudulent account appeared on my credit report. I went to Curacao and was shown his profile picture and it was not me and was told to dispute it with the credit bureaus. I disputed this account with all three bureaus. In XXXX I was refinancing my home and this account appeared again but only on my XXXX  report. I have disputed again with XXXX. La Curacao refuses to report to XXXX that this account doesn't belong to me since there is information that doesn't match, for example my address, maiden name, middle name ( which I don't have ) and SSN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: CBC Companies, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, OH XXXX. I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX accounts yet only one is reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, OH XXXX. I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX accounts yet only one is reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed for bankruptcy on mortagage. XX/XX/XXXX. When I was married XXXX ( to now ex spouse ) signed as joint owner. At time didnt even live in the house. And never lived in it. Got divorced later- XXXX. Signed Quit Claim Deed. But course name still on loan. X can not refiance ro get my name off. So I filed chap XXXX to get it off. But the act is still showing active/open!

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
I ordered my Way2Go recieved debit card 3 weeks ago and still havent gotten it in the mail and i need a replacement card sent to my mailing address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lost My wallet While on a trip to Georgia in 2013 and ever since then i've realized accounts like medical, Apartment Fraudulently rented under my name, and Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MI

Complaint narrative:
BSI Financial has charged several fees where they will not break down and itemized list of dates relevant to the fees being charged. For example uncollectable fees add up to over {$400.00}, but they won't give me specifics per each transaction.

One of the fees which has been illegally charged to me was Administrative Fees charged on. This was after a bankruptcy. I was discharged on XX/XX/XXXX. 

Note the excerpt that was sent to BSI 's attorney XXXX XXXX from the Bankruptcy Attorney 's Office, XXXX XXXX ( who represented me on XX/XX/XXXX. 

" She contacted me because there was a late fee applied on XX/XX/XXXX in the amount of {$470.00}. She tried to call and find out what this is but no one will discuss it with her. A Notice of Final Cure was filed on XX/XX/XXXX and no response was filed by your office. Please let me know what this late fee is for and why it was issued the same day as her discharge. I have attached a copy of the statement. Thank you. '' There was no response from the Attorney. In addition, I have continuously asked for an explanation from customer service on a recorded line as well as the Loss XXXX, XXXX XXXX for who I spoke with on the telephone on a recorded line on XX/XX/XXXX. When I gave him the date relevant to this fee, he indicated that his computer was locked and that he would have to get back to me. I gave this two weeks and sending him another email XX/XX/XXXX, I am still getting the round around with no explanation regarding the " administrative fees ''. 

I am very concerned that the administrative fees was an illegal act. In addition, these other fees are not balancing to what I am being charged. I am requesting an assessment of these fees ( itemized ) and the illegal administrative fees charged removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: AL

Complaint narrative:
I have my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened so many accounts in my name. Let me know what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounst are causing me many hardships with obtaining anything that is credit related.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lost My wallet While on a trip to Georgia in 2013 and ever since then i've realized accounts like medical, Apartment Fraudulently rented under my name, and Loans.

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 2020-09-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lost My wallet While on a trip to Georgia in 2013 and ever since then i've realized accounts like medical, Apartment Fraudulently rented under my name, and Loans.

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 2020-09-17 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: AL

Complaint narrative:
I have my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened so many accounts in my name. Let me know what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounst are causing me many hardships with obtaining anything that is credit related.

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 2020-09-17 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: AL

Complaint narrative:
I have my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened so many accounts in my name. Let me know what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounst are causing me many hardships with obtaining anything that is credit related.

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 2020-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OK

Complaint narrative:
I was contacted by XXXX XXXX XXXX stating that I owed a debt for Cash Central but for at least 4 times the amount owed. I told them that I believe this is possible fraud and would look further into it. I contacted Cash Central and I was told how much was owed before it was sold. The guy on the phone stated that if I didn't pay or set something up I would be taken to jail in a round up because he had the authority to do so. He was very rude and hung up on me because I did not agree with him. Company 's number is XXXX XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX between 0900-1000 hrs., while working from home, I get a call from someone saying they are a XXXX XXXX XXXX XXXX they have located a " flag '' in my recently purchased XXXX laptop . He explains the issue using a lot of computer verbiage and says he can repair it remotely and that it needs repaired immediately. I was about give them a credit card number when my husband walked in. I handed him the phone, since I was working, and he walked out of the room talking with the technician. My husband eventually hangs up on him and tells me to cancel my card. I call the number on the back of the card ; report the fraud call ; cancel the card and I'm issued a new one. 

Later that afternoon, I get an email from XXXX saying that an order for {$600.00} worth of XXXX XXXX gift cards had been declined and I will not be charged. 

XX/XX/XXXX I get my credit card statement and it has a {$600.00} charge on it from : XXXX Giftcards. 

XX/XX/XXXX I report it to Chase Fraud Recovery via both a phone call and an email. 

XX/XX/XXXX Chase send an email saying the charge was " valid '' and I am responsible for paying it. 

XX/XX/XXXX I send another email to Chase Fraud Recovery telling them that I didn't make the {$600.00} purchase. 

XX/XX/XXXX Chase Fraud Recovery sends another email again saying the purchase was " Valid '' and I am responsible for paying it. 

XX/XX/XXXX I call XXXX Giftcards and explain what happened. They agree to investigate it. 

XX/XX/XXXX I get an email from XXXX saying " we were unable to locate any charge or charges to your XXXX card. '' They suggest we contact Chase to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On paid and additional Principle payment to Wells Fargo on XXXX and it posted to my accound {$140.00}. This lowered my account balance to {$430000.00}. However, when my loan transferred on XXXX the balance was {$430000.00}. I contacted Wells Fargo who indicated that the money was transferred to XXXX and that they could do nothing. I then contacted XXXX who told me the issue was on Wells Fargo. My money now is in an unknown area and no one can help me. Ive spent over 16 hour on phone calls to no avail.

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been working on my credit for years trying to keep payments on time paying off vehicle loans credit cards credit, it does not matter how much you pay off or down how many credit cards you get at ridiculous interest rates to build your credit your credit score goes down it never gets pass XXXX or XXXX because then you as a person of XXXX might get decent interest rates be able to afford something live better for old inquiries it stays on you credit never mind it takes your score down it's left on there for what reason, how long are the credit bureauls going to keep practicing rasism with people of colors scores my score is the same as in my XXXX it never went to a XXXX we start at 0 with high interest rates hospital bills have know become a new way to keep  these XXXX pesticides along with hard inquiries and stuff you don't know where it's coming from then you have to keep fighting to get it off even if you have insurance I have 2 hospital bills on my credit the whole time if been going to the doctor under the same medical insurance and these remain on my credit, we are being pushed out and given the highest interest rate and America says they are takeing care of all no you take care of XXXX America is you give us the lowest, this system that was put in place to systamaticlly take down as many XXXX and XXXX Americans with its unfair practices needs to be taken down and replaced with a system based on equality not XXXX because all 3 beaurals are guilty of this practice you pay off bills and your score drops no this was built to keep us just where we are at poor

Company response to consumer: Closed with explanation