vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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 found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social 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 form my report. 
XXXX {$17000.00} XXXX {$14000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$64.00} DE [ TEDXXXXXXXXXXXX {$3500.00} XXXX {$64.00} DEPTEDXXXX {$3500.00} DEPTEDXXXXXXXXXXXX {$2000.00} DEPTEDXXXXXXXX {$2200.00} DEPTEDXXXXXXXX {$2000.00} XXXX {$13000.00}

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 2020-06-12 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 tired to file my tax return and the tax professional told me that my social security had been used already to file my 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 these things from my report. XXXX {$6000.00} XXXX {$880.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$420.00} XXXX {$410.00} 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 2020-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX and XXXX XXXX has for a long time said that I have too many accounts that I have been late on payments. I have never been late with a payment with them or any other creditor. My account with them is now close and I owe them nothing. I would like for them to not have access to my credit because there is a freeze there and I owe them nothing. 

XXXX  XXXX has reported to my knowledge that I am using over 100 % percent of my credit with them. and owe over XXXX USD on my total available credit. This was true but now has been changed to I owe {$74.00} of {$500.00} credit line. I think that is incorrect and needs to be updated to the credit reporting agencies. 

Please if you need any more info let me know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX and XXXX XXXX has for a long time said that I have too many accounts that I have been late on payments. I have never been late with a payment with them or any other creditor. My account with them is now close and I owe them nothing. I would like for them to not have access to my credit because there is a freeze there and I owe them nothing. 

XXXX  XXXX has reported to my knowledge that I am using over 100 % percent of my credit with them. and owe over XXXX USD on my total available credit. This was true but now has been changed to I owe {$74.00} of {$500.00} credit line. I think that is incorrect and needs to be updated to the credit reporting agencies. 

Please if you need any more info let me know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i am contacting you today to dispute the following inaccuracies on my credit report. 
1. XXXX XXXX XXXX is showing a missed payment in XXXX, XXXX and XXXX of XXXX in the detailed layout of my credit which is a broken verbal contract by lender to not show. as them and I was in early pay off negotiations and my payment history is XXXX percent else where ... this has been disputed several times to no avail. 
2. XXXX XXXX is a fraudulent account and removed from XXXX but showing on XXXX  which affects my credit score and needs to be removed from all credit bureaus. 
3. XXXX XXXX XXXX is showing 3 closed accounts that are only on 1 bureaus report and inaccurate and need to be removed from all credit reports as the balance reports dates should have been in my bankruptcy 4. Hard Inquiries by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are fraud and or not authorized. 
5. XXXX XXXX XXXX has been closed 11 years although just reporting closed and needs to be removed as it exceeds 6 years and 11 months

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 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX all 3 Credit Agencies are refusing to provide me a paper copy of my credit report. All 3 agencies have been notified by me personally that I want my free credit report so I can have false information permanently removed. 
Credit attorneys in XXXX and the entire state of Indiana have refused to assist me even after I have filed complaints with the State Attorney General and the Indiana Bar Association. I am being forced as a single dad of a XXXX XXXX   son to suffer and try and hire an attorney from Florida because no one in this country does their job properly.

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 2020-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America XXXX : We booked two flights with XXXX   airline from XXXX   to XXXX for {$970.00} XX/XX/2020. We also booked online a return flight from XXXX to XXXX  on a separate charge. Because of the COVID crises and XXXX Financial instability they canceled both flights and didn't provide a refund or any compensation. I reported to Bofa and they open a dispute. XXXX was not answering phones or providing any communication about the status of the flights. The return flight was later canceled and removed from my account. The outbound flight for XX/XX/XXXX was later canceled about XX/XX/2020. BofA charged the {$970.00} back on my account. I requested that it reopens because no service was provided. XXXX offered points to fly at a later date. however, at this time they offer no flights. 

I requested a refund, however, Bofa told me that the airline was offering a sufficient offer for services not rendered.

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 2020-06-12 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: The Outsource Group, Inc
State: CO

Complaint narrative:
*There is a collection account on my credit report for {$630.00} from Medicredit . It shows that it was paid and closed in XXXX. I wanted information as to the nature of this account and to discuss having it removed from my credit report. 

*On XX/XX/XXXX I called the number listed for Medicredit from my credit report. I spent hours on the phone with three separate individuals and no one at the company was able to find any record of me. They used my full name, phone number, address, social security number, and the account number listed on my credit report. I called the hospital listed as the original creditor and spent three days talking with four different people in different billing departments and was told they show no record of anything going to collections. Everything has been paid in full and I should call Medicredit back and discuss the problem with them. 

*On XX/XX/XXXX I spoke with three individuals at Medicredit XXXX all who were unable to again find any record of me and eventually hung up on me. I was incredibly calm and respectful throughout this whole process and finally cried and cried out of frustration and disappointment after being hung up on after days and hours of trying to get to the bottom of this account on my credit report. 

*Can you please help me remove this 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 2020-06-12 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 found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social 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 form my report. 
XXXX {$17000.00} XXXX {$14000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$64.00} DE [ TEDXXXXXXXX {$3500.00} XXXX {$64.00} DEPTEDXXXXXXX {$3500.00} DEPTEDXXXXXXXX {$2000.00} DEPTEDXXXXXXXX {$2200.00} DEPTEDXXXXXXXX {$2000.00} XXXX {$13000.00}

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 2020-06-12 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 found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social 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 form my report. 
XXXX {$17000.00} XXXX {$14000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$64.00} DE [ TEDXXXXXXXX {$3500.00} XXXX {$64.00} DEPTEDXXXXXXXX {$3500.00} DEPTEDXXXXXXXX {$2000.00} DEPTEDXXXXXXXX {$2200.00} DEPTEDXXXXXXXX {$2000.00} XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC

Complaint narrative:
On XX/XX/2020, I went to the DMV to transfer the title and registration from XXXX to XXXX. I learned from the DMV that I needed a copy of the title with my name on it and the lien holder information, First National Bank.  I contacted the bank and they were unwilling to provide the copy of the title without a faxed request from the DMV. The DMV would not fax a request to the bank. I contacted the bank again and relayed to them that the DMV would not fax a request and we needed them to provide the copy of the title so I could complete the registration and title process so we can utilize our vehicle in the state of South Carolina. The bank has an arbitrary rule not to release the copy of titles to their borrowers. Our vehicle is now unusable as we apparently will never be able to get the vehicle titled in our new state of residence. The bank is unlawfully holding a simple copy of the vehicle title hostage for no logical reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$500.00} XXXX XXXX {$6400.00} XXXX XXXX {$340.00} XXXX  XXXX {$360.00} XXXX  XXXX {$1000.00} DETEDXXXX XXXX {$3000.00} XXXX XXXX {$400.00} XXXX  XXXX {$12000.00}

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 2020-06-12 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 tired to file my tax return and the tax professional told me that my social security had been used already to file my 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 these things from my report. XXXX {$6000.00} XXXX {$880.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$420.00} XXXX {$410.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 tired to file my tax return and the tax professional told me that my social security had been used already to file my 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 these things from my report. XXXX {$6000.00} XXXX {$880.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$420.00} XXXX {$410.00} 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 2020-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made a dispute to XXXX XXXX XXXX regarding a report from Bank of America that states I was " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. '' on XX/XX/2018. This information creates a false impression that I was attempting to commit fraud, whereas I was trying to make a quick transfer between an old and then, new bank during my time of travel, in order to have immediate access to my funds. Unfortunately the deposit was not made in time to satisfy the amount and the account was closed thereafter. The account took no loss, as I was awaiting the deposit with no attempt to withdraw the funds prematurely, and there was no balance owed to the bank. I had spoken to a couple of bank employees that even stated that was a common problem between the bank and its consumers, therefore leaving the consumer with false reports that can last several 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 explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
As of XX/XX/XXXX, PNC still advertises connectivity with XXXX yet trying to connect my XXXX account to my PNC account gives me a message that PNC has changed their settings and no longer allow for connectivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion has obtained inaccurate information from a third party vendor called XXXX. XXXX realized their mistake and deleted this information. I have sent TransUnion a certified letter asking them to remove this inaccurate information/ dismissed Bankruptcy because it longer exist. Bankruptcy 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 non-monetary relief
Consumer complaint received 2020-06-12 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
ComenityBank/Victoria Secret is reporting a XX/XX/2020 & XX/XX/2020. late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 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: FL

Complaint narrative:
See attatched Letter dated XX/XX/XXXX XXXX Equifax XXXX Accounts 1 ) XXXX 2 ) XXXX We are currently processing and will NOT BE CONDUCTING FURTHER INVESTIGATION. See attatched XXXX C DEBT XXXX 3 ) XXXX CANCELATION OF DEBT XX/XX/XXXX. 
I attatched documents previously Equifax DID NOT ADDRESS A THIRD ( 3 ) Account. I also attatched documentation XXXX XXXX STATEMENT 4 ) XXXX XX/XX/XXXX BAL {$100.00}. Equifax did NOT ADDRESS THIS ACCOUNT. I see four ( 4 ) XXXX DIFFERENT ACCOUNT NUMBERS???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: OH

Complaint narrative:
I was approved for a loan of {$500.00} XX/XX/2020. My agreement shows the payment dates extended into next year equaling to {$3300.00}. I have had about four payments taken out my account equaling to {$530.00}. 

XX/XX/XXXX {$85.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} I emailed customer support to see what my remaning balance is based off the payments already taken out and the response was this : " Thank you for your email of XX/XX/2020 in which you inquired about the current payoff amount due in order to settle your loan with BetterDay Loans completely. Upon checking here, you are following our Default or Scheduled Payment Option. And you are paying your loan in a number of installments equal to your payroll frequency over a years time. This option is reflected in the Payment Schedule section of your loan agreement. While this option may be more expensive, it offers the benefit of a fixed schedule. A small portion goes to your Principal and the rest to your finance fee. This is not mandatory to follow. You can pay off your loan anytime. 

The amount required to pay off your loan in full as today is {$490.00} finance fee not included. PLEASE NOTE, however, that this payoff amount is only valid for today from the time of this email. 

Please remember, you can also make a partial prepayment by paying {$20.00} or more, in addition to any scheduled payment by contacting BetterDay Loans three days prior to a scheduled payment. The additional amount that you pay will reduce your principal balance due and thus reduce the number of payments remaining ( but not the amount of each payment ). 

We also remind you that BetterDay Loans never charges any prepayment penalties on partial or complete early repayments and repaying your loan early can greatly reduce the costs associated with this form of borrowing. As such, prompt repayment of your loan will reduce the costs associated with borrowing and is recommended. '' I asked them where is the {$530.00} going if its not going towards my balance. I shouldnt have to keep paying if the payment is already at my loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was using XXXX money transfer on XX/XX/XXXX and mistakenly used the wrong phone with the write name. Typed XXXX instead of XXXX. 
Wells Fargo said they can't help because the transaction went through. I tried telling them there was an error in the number and the money went to a person I don't know but they said they couldn't reverse the transaction. They expect me to call the person myself.

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