vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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 {$650.00} XXXX XXXX   XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$1100.00}

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 2020-06-10 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 have contacted Equifax and submitted documents that the items in my report are fraudulent. Ive attached my drivers license and social security card and have not had the items removed as well as the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
Consumer Report Ref # XXXX XX/XX/2020 My insurance company XXXX XXXX sent me a letter that said my license had been suspended or revoked in the past 36 months due to your companies report. My license has not been revoked or suspended in the past 36 months. 
I need this to be looked into on your side and a reinstatement letter of the inaccurate evaluation sent as soon as possible. 
XXXX XXXX Louisiana Drivers License # XXXX They have my last name as XXXX but that is not the name on my license, I told them I have not changed my last name but how YOU pulled up a suspended or revoked in the past 36 months under the name XXXX XXXX is very unusual because that is not the name on my license. Please be advised that this has caused me to have to go to another underwriter for auto insurance that has raised my premium around {$200.00} a month. I will be patiently waiting for the response on this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a XXXX  credit card a few weeks ago and I was not approved instantly and today XX/XX/20 I got a letter stating that the reason I was not approved was because there were too many accounts in negative or derogatory standing on my credit report. I had no idea what accounts they were referring to because none of my accounts are in negative standing. I checked my credit report just to make sure it wasn't a mistake and I found about 8 accounts on my report that are not mine. I had no idea these accounts were even on my credit history and I don't know who they belong to. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I do not have any relationship or affiliation to any of the companies I listed in this report and I have already filed a police report regarding these suspicious 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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a XXXX  credit card a few weeks ago and I was not approved instantly and today XX/XX/20 I got a letter stating that the reason I was not approved was because there were too many accounts in negative or derogatory standing on my credit report. I had no idea what accounts they were referring to because none of my accounts are in negative standing. I checked my credit report just to make sure it wasn't a mistake and I found about 8 accounts on my report that are not mine. I had no idea these accounts were even on my credit history and I don't know who they belong to. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I do not have any relationship or affiliation to any of the companies I listed in this report and I have already filed a police report regarding these suspicious 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 2020-06-10 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 mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANRUPTCYDISMISSEDXXXX

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 2020-06-10 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 mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX   CHAPTERXXXXBANRUPTCYDISMISSEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
I was trying to accept a {$50.00} loan but Im getting a error message from the company and I emailed possible Loan and later on today they replied back to me and said my bank account ending XXXX was blocked by third payment party and I never did business with that company and I believe someone hacked into my bank account and I fixed it with XXXX and I need a loan so I can fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 have sent over documents to Experian to remove inaccurate information and well as inquiries on my report and they have not removed them even with all documents sent such as social security card and drivers license and FTC 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 2020-06-10 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: LA

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion file . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically  countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-06-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello and thank you for taking the time to review the complaint. According to XXXX  XXXX XXXX continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.

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 2020-06-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello and thank you for taking the time to review the complaint. According to XXXX  XXXX XXXX continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello and thank you for taking the time to review the complaint. According to Experian XXXX XXXX continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.

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 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal froze my minor child 's PayPal account over a year ago and now has taken his funds. They refuse to discuss it with me even though my son authorized them to speak with me about them taking his money. His name is XXXX XXXX and date of birth is XX/XX/. The amount taken is XXXX The email on the account is : XXXX I am a big fan of XXXX XXXX and XXXX XXXX. I hope that the CFPB will look into this and get a resolution for my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Hello and thank you for taking the time to review concerns. Extending gratitude to capital one for granted credit line since 2013. However, out of nine years, two-late payments occurred. I know during this unpresidential time, several agents are working from home. However, with two-late payments, creditworthiness and credit decreased due to negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received an alert regarding a collection on my credit report. I contacted the collection agency and informed them that the collection they placed on my credit report does not belong to me. The so-called person is a male who happened to share the same birth date as I. The name of the collection agency is Common Wealth Financial which placed a collection on my credit for {$1.00}, XXXX ; Account : XXXX ; Service date XX/XX/2017 for a XXXX XXXX XXXX. My name is not XXXX XXXX XXXX ; it is XXXX XXXX XXXX and I am a female not a male. How could these people do that to my credit? Just because someone shares a birthdate, that does not mean it's the person you're looking for. I called them and informed them of their mistakes and they are suppose to contact the credit bureaus to remove this damaging collection on my credit profile ; but I am not sure if they have done that. This is incredible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I last spoke with a supervisor ( XXXX ) on XXXX after receiving the last response from a Citibank Representative on my recent complaint with CFPB. 

Although, I did not inquire about " settling '' the account I was not given any options on how to resolve the balance either. Currently, the principal balance according to XXXX is {$590.00} with {$170.00} ( late fees of {$25.00} per month ) plus any interest. 

Prior to the conversation with XXXX, a conversation ( early XXXX ) with a representative in the loan department stated that " for two payments ( XXXX and XXXX ) no interest would be charged and the account would be deferred. '' I would not need to make any payments. But, I made a payment in XXXX in the amount of {$250.00} ( {$220.00} is the minimum payment ). XXXX refused to provide any options on how to resolve the matter. I asked about waiving a few fees, to which were immediately dismissed by saying '' we can't do that because you were consistently late. '' Which I felt was extremely offensive, I felt like a criminal in that moment. In XXXX of last year, I lost my job which put me behind in payments. But I paid what I could. Now I am a product of the Pandemic, but I am still paying trying to resolve this responsibility. 

I was so angry by her statement that I responded back stating " I could easily let the account go and not pay anything! '' My experience with Citibank has been an extremely horrible ordeal. It is unfortunate that I stayed this long, over 10 years.

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 2020-06-10 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: TN

Complaint narrative:
EQUIFAX AND XXXX  HAS YET TO REMOVE ACCOUNTS THAT DOES NOT BELONG TO ME OR MAILOUT ANY PAPERWORK SHOWING THAT A DISPUTE HAS BEEN DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have been trying to link my PNC bank account to the XXXX app to start an investment portfolio but it continues to tell me i have invalid credentials although i use the same credentials to log in to my virtual wallet for PNC. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 recently applied for furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit reports so that maybe I would get a better understanding. After doing so I noticed some items on my credit reports are not mine. I'm unsure of how this happened. I need these items deleted from 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 2020-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I am a patient of XXXX XXXX, Michigan XXXX XXXX since XX/XX/XXXX, I had visits every other month, I have XXXX XXXX Health care insurance, the insurance paid every single charge since then except one visit in XXXX, it seems the Doctor office did not submitted it on time, or they did not bill it in correct format. I was informed about this charge around the end of XXXX, I contacted the DHS case worker, she told me to ask the Doctor office to submit the claim again and she will pay it, I contacted the billing department and asked to submit the charge again. However I received few statements from the doctor office for a charge of {$120.00} dollar, I contacted the office every time I got statement for the doctor office, and asked them to bill the charges again. It look like they did not submitted again. Sometime in XXXX I received statement from Merchants & medical Credit ( Collection Agent ), I called them and explained to them what happened. I received few calls from them since then. Every time they called we went through the whole issue again. I found out that on XX/XX/XXXX they reported this issue to Credit Bureau, I called today, They said they received this case in XXXX, I was late for them to submit the charge to insurance, and the doctor did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I can not link my account with XXXX. I have been trying for six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been dealing with Chase Bank Credit Card for Several months for items that were not delivered by Amazon. The credit card company requested the date of purchase, description and the date it was to be sent to me. When I advised them that Amazon blocked access for this information I provided it to them. The items include the following charges. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The items were not delivered and all the requested documents to provide the dispute were provided to Chase. Chase sent me a letter stating that I didn't respond which they found the letter and advised that I needed to send them a note to reopen. In less than 4 days the company came back with a decision that they were going to charge me for all items that I had reported the contested items. Amazon has been having the problem for some time now and now that I wanted either a replacement or credit they will not assist. This was placed on a Visa card that has protections for me and Chase is not assisting me. I am asking for your assistance as the letter sent XX/XX/2020 was just one of many communications with them and they didn't follow the rules of Fair Credit Reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 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: TN

Complaint narrative:
XXXX  AND EXPERIAN HAS YET TO REMOVE ACCOUNTS THAT DOES NOT BELONG TO ME OR MAILOUT ANY PAPERWORK SHOWING THAT A DISPUTE HAS BEEN DONE

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