vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 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: FL

Complaint narrative:
Please Place a fraud alert on my credit files I'm a victim of identity Theft someone brought a car under my name this need to be investigated I did not give any consent to any account to be open with out my authorization This Accounts if fraud

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 2020-06-04 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: FL

Complaint narrative:
Please Place a fraud alert on my credit files I'm a victim of identity Theft someone brought a car under my name this need to be investigated I did not give any consent to any account to be open with out my authorization This Accounts if fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately..XXXX {$3100.00} XXXX {$11000.00}

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 2020-06-04 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:
This account is not mines. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$1500.00} Reported balance This account below is reported wrong and is current. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance

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 2020-06-04 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: IL

Complaint narrative:
I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. I would like the credit reporting agency block all information associated this act of thief. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account open by Identity theft Account : XXXX XXXX XXXX  Credit card, date open XXXX, credit limit XXXX  Inquiries made by unknown Identity theft Company-XXXX  date XXXX Company- XXXX  XXXX XXXX XXXX Company XXXX XXXX XXXX  XXXX Company-XXXX XXXX XXXX date XXXX Company- XXXX XXXX XXXX Date- XXXX Company-XXXX Financial Date- XXXX Company- XXXX XXXX Date- XXXX Company- XXXX XXXX Date XXXX & XXXX ( 2 Inquiries ) Company- XXXX XXXX Date- XXXX Company-XXXX XXXX Date- XXXX Company- XXXX XXXX XXXX Date- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: IL

Complaint narrative:
I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. I would like the credit reporting agency block all information associated this act of thief. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account open by Identity theft Account : XXXX XXXX XXXX  Credit card, date open XX/XX/XXXX, credit limit XXXX  Inquiries made by unknown Identity theft Company-XXXX  date XX/XX/XXXX Company- XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Company-XXXX XXXX XXXX date XX/XX/XXXX Company- XXXX XXXX XXXX Date- XX/XX/XXXX Company-XXXX Financial Date- XX/XX/XXXX Company- XXXX XXXX Date- XX/XX/XXXX Company- XXXX Card  Date XX/XX/XXXX & XX/XX/XXXX ( 2 Inquiries ) Company- XXXX XXXX  Date- XX/XX/XXXX Company-XXXX XXXX Date- XX/XX/XXXX Company- XXXX XXXX XXXX  Date- XX/XX/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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
The contract related to this account is unverifiable canceled and or has been paid by insurance by law I am not liable for any third party debt collection as the original creditor has already been paid.

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 2020-06-04 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

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 2020-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I recently looked at my credit report and discovered a collection account that started with a company called Speedy Cash. I contacted them and the information I provided, validated that this debt was not mine. I then got this message from the Speedy Cash people : Speedy Cash is in receipt of the complaint filed with the Bureau of Consumer Financial Protection Bureau ( BCFP ) by Mr. XXXX XXXX. Speedy Cash understands that Mr. XXXX BCFP complaint relates to debt collection practices. Speedy Cash was unable to locate a customer loan account matching the personal information provided by Mr. XXXX in his complaint. Without obtaining further identifying information, it is impossible for Speedy Cash to investigate Mr. XXXX complaint. We urge Mr. XXXX to call Speedy Cash directly at XXXX to provide additional information so that we can identify a loan account, if any. 

First, the phone number provided does not work! Second the person opened this account and has made payments at location in XXXX, Texas. They even tagged me with a XXXX, Texas address. THIS IS NOT MY ACCOUNT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately..XXXX {$3100.00} XXXX {$11000.00}

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 2020-06-04 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately..XXXX {$3100.00} XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Received the Following Email : XXXX XXXX Legal Notice -Loan Payment XXXX / Spam XXXX XXXX XXXX To : XXXX XXXX Bcc : XXXX XXXX, XX/XX/XXXX at XXXX XXXX For your security we disabled links in this email. If you believe it is safe to use, mark this message as not spam. 
CASE NO : XXXX Loan account : XXXX Amount Outstanding {$880.00} Original creditor -XXXX XXXX XXXX Amount : {$450.00} ( Till XX/XX/2020 ) This is the last and final notification as we are going to proceed with the legal charges against you and you will be soon served with the court papers. If you really want to avoid the situation, we merely require you to contact us back to make the payment. 

Just in case we do not hear back from you, we will proceed further with the charges and we have the entire right to inform your employer about the situation, garnish your wages and freeze all your bank accounts. 


Please respond ASAP as you have two business days to respond. 

You have to further contact with our manager XXXX XXXX XXXX XXXX Email Address : XXXX XXXX XXXX XXXX XXXX parent company of XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX and many more. 







Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AZ

Complaint narrative:
Account legally paid in full for less than the full balance and is still be reported as a recent Charge off ( CO ) in error. Charge offs are being reported in XXXX, last activity goes back to XXXX, 5+ years old. This account is hurting my ability to purchase a house.

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 2020-06-04 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: GA

Complaint narrative:
This credit bureau refuses to delete information on my credit report that occurred as a result of fraud. I sent them my FTC identity theft report along with a copy of the police 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 2020-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
On XX/XX/40, this debt collector called my boyfriends dad and left a voice message about a supposed debt I owe. I have no record of owing a debt to this company and I have never received any validation that I owe this debt. Direct Recovery Services violated a FDCPA law, which does not allow debt collectors to leave messages with third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these 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 2020-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This account is showing delinquent when it is not.. The account is up to date since being opened back in XX/XX/2018The account is in good standing and should not be reported as otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Revolut Technologies Inc.
State: WA

Complaint narrative:
I opened a prepaid bank account with REVOLUT in XX/XX/2019. See www.revolut.com. The only way to communicate with them is through a phone app which I installed. There is no login but your phone number is used to validate you. 
They provided me with a debit card. 
According to their website, the funds in the REVOLUT account are held at XXXX XXXX XXXX 
Money is loaded to the REVOLUT account using other debit cards ( " loads '' ) It worked for a while but now REVOLUT has " restricted my account permanently ''. It seems because they want to see my spending patterns on a completely unrelated credit card. 
I have a balance of {$4000.00} in the account. 
I have asked them to close the account and refund my the balance but am getting no response. 
I can provide you with my phone number ( used by the Revolut app ) and the Revolut debit card number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: GA

Complaint narrative:
This credit bureau refuses to delete information on my credit report that occurred as a result of fraud. I sent them my FTC identity theft report along with a copy of the police 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 2020-06-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these 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 2020-06-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The accounts below are more than 8 years old and should be deleted from credit report. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$4900.00} Reported balance 2. XXXX XXXX XXXX Last reported XX/XX/2020 {$26000.00} Reported balance 3. XXXX XXXX XXXX Last reported XX/XX/2020 {$3500.00} Reported balance

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 2020-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The accounts below are more than 8 years old and should be deleted from credit report. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$4900.00} Reported balance 2. XXXX XXXX XXXX Last reported XX/XX/2020 {$26000.00} Reported balance 3. XXXX XXXX XXXX Last reported XX/XX/2020 {$3500.00} Reported balance

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 2020-06-04 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
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 2020-06-04 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: TX

Complaint narrative:
I have asked these companies to remove the fraud alert on my credit report. I have disputed many things that I dindt authorize or is not my account. Yet the reporting agencies wont help or remove yet post my file as a fraud alert. 

I have attached my texas drivers license.

Company response to consumer: Closed with explanation