vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: MA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: CA

Complaint narrative:
Hello Guys. I'm glad I was able to find you. XXXX, XXXX, and Trans Union are really upsetting me right now. Several months ago I disputed accounts that did not belong to me with the credit bureaus. I did it on XX/XX/20. I still don't have any kind of notification from anybody. Not even a notice from the collectors saying they received a notification from the bureaus. 

I also send them another notice on XX/XX/20. I don't know what's going on, but I need this investigation completed now. I don't want to wait months just to get them to START an investigation.

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 2020-07-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello Guys. I'm glad I was able to find you. XXXX, Equifax, and XXXX XXXX are really upsetting me right now. Several months ago I disputed accounts that did not belong to me with the credit bureaus. I did it on XX/XX/20. I still don't have any kind of notification from anybody. Not even a notice from the collectors saying they received a notification from the bureaus. 

I also send them another notice on XX/XX/20. I don't know what's going on, but I need this investigation completed now. I don't want to wait months just to get them to START an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: OK

Complaint narrative:
Someone hacked my amazon account, and used my chase XXXX card to buy {$360.00} worth of stuff from amazon. I didnt even have the card anymore it was cut up. I had just forgot it was still stored on my amazon account. I reported the charges as soon as I received the bill. They did an investigation and said it looks like I ordered the stuff so I was responsible for the charges. I filed a police report, they discovered it was not me. But they couldnt prove who it was so Chase is still saying Im responsible for it. I dont know what else I can do, its hurting my credit score. I have been dealt with this since XX/XX/2019. Help me please!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XXXX, XXXX, XXXX, I received a notice from XXXX, claiming they were considering a lawsuit against me, in regard to an alleged account with " Synchrony Bank/Lowes ''. I contacted XXXX, via Certified USPS, on XX/XX/XXXX, to dispute the validity, and alleged balance within 30 days, I also asked they not contact me during this period. Then I received a " second notice '', from XXXX, dated XX/XX/XXXX, during that 30 day period. I contacted XXXX again by Certified USPS on XX/XX/XXXX, to demand a response to my request. I never received one.

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 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I received 1 letter in the mail that looked like a postcard in regards to this debt from Capio Partners. I had no idea what it was for and when I XXXX the company name there is a lot of bad reviews that this was a scam. When I called to get more information and possibly settle the debt, I was not helped. The guy asked for my full social security number which I was not comfortable givign over the phone ( espcially since I had no idea what this was about. ) When I offered to give him my birthday of XX/XX/XXXXhe said that was not my birthday. I was then disconnected from the call. I honestly thought this was a scam sicne he said that wasn't my birthday and asked for my full social. I have no clue what this debt is for or from when it was and I have not recived any other type of letter or communication regarding this. I was made aware of it being placed in collections due to a XXXX XXXX alert. Please remove this from my credit report as a derogatory mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 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:
Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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 identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. XXXX XXXX {$50000.00} XXXX  XXXX {$550.00} XXXX  XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: MA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: MA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Address needs updating

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 2020-07-06 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:
Please remove this on my credit report XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX open date XX/XX/XXXX XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX open dateXX/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 2020-07-06 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:
Please remove this on my credit report XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX  open date XX/XX/XXXX XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX open dateXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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 identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. XXXX XXXX {$50000.00} XXXX  XXXX {$550.00} XXXX  XXXX {$4500.00}

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 2020-07-06 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 identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. XXXX XXXX {$50000.00} XXXX  XXXX {$550.00} XXXX  XXXX {$4500.00}

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 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I contacted, American Express, via Vertified USPS ( XXXX ), on XX/XX/XXXX, to dispute an alleged account and the balance within 30 days. American Express, received my request, XX/XX/XXXX. But, American Express, failed to respond to my request within 30 days under the Fair Collection Acts, and Ohio Revised Code. Please see the attached letter, and receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My wife and I were victims of identity theft in 2017. We then froze our credit and placed a fraud alert on our credit. Now my wife and I are applying for a mortgage but after talking to all 3 credit bureaus they have assured us that all freezes and fraud alerts are off but only XXXX did what they said. XXXX cleared my wifes but not mine. Equifax assured us that they took them off both but today we tried to get reports again and were not able too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Address needs updating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Address needs updating

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 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dyck-O'Neal, Inc.
State: MO

Complaint narrative:
On XXXX the XXXX, 2019 I contacted this company to see what was the debt, and how much the amount actually was. Since I never received correspondence about this debt, the debt just popped up on my credit report with two separate accounts with two different amounts. At the time of the conversation I asked the rep if I paid would they delete this account from my credit report and they said they would, after payment was processed they did not follow-up on their agreement with deleting this account. As well they are still reporting this account as 120 days late w/over 10 late payments. They are not the original creditor, and bought the accounts from XXXX XXXX, XXXX. With amounts of {$110.00}, and {$240.00}. These accounts were paid by me in full amount to XXXX XXXX XXXX XXXX, XXXX My other process after trying to rectify this with the creditor, they still didn't comply and I put in a XXXX complaint. During that complaint the creditor tried to again deny any agreement made with them at the original time of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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:
Ive been 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 2020-07-06 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:
Ive been 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 2020-07-06 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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. WEBBNKFSTR XXXX {$48.00} ETERGYAR XXXX {$960.00} CREDENVERM XXXX {$1400.00} MOUTAINRUNSOLUTIONS XXXX {$2300.00}

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 2020-07-06 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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. WEBBNKFSTR XXXX {$48.00} ETERGYAR XXXX {$960.00} CREDENVERM XXXX {$1400.00} MOUTAINRUNSOLUTIONS XXXX {$2300.00}

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 2020-07-06 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: IL

Complaint narrative:
I have setup a profile with equifax, and have setup a credit freeze. I need to purchase a new car, and so I have been trying to lift the credit freeze with equifax, which is the company my auto dealer verifies credit with. When I try and login to XXXX, it tells me to call equifax. i called equifax on XX/XX/XXXX. They told me to confirm my identity that i needed to send in us mail my social security and drivers license. i sent this on XX/XX/XXXX. They claim they never received it. so, i sent it again, via certified mail, and the XXXX confirmed their receipt of documents on XXXX. now, i have been a month unable to get a car due to this issue. they claim they still dont have confirmation of my materials even though i have confirmed delivery. I really need help for equifax to unlock my XXXX information so that i can unfreeze my account. my information was made available as a part of the equifax data breach, so it seems that hackers might have more access to my info than I do. Please help me get this resolved. thank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$7500.00} XXXX XXXX {$4100.00} XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$7500.00} XXXX XXXX {$4100.00} XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}

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 2020-07-06 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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$7500.00} XXXX XXXX {$4100.00} XXXX XXXX {$5400.00} CHAPTER 7 BANKRUPTCY DISHCARGED XXXX {$0.00}

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