vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted ( called ) EquiFax a few times over a period of a year ( between XXXX and XXXX ). I have set up the account, and the account exists. However, I am still UNABLE to get into my account and unable to secure my credit report or credit score, etc. Each time they said someone from IT will get in touch with me or something like that. I have, each time, successfully identified my identify and yet, no representative from this company was able to resolve my issue unable to access my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$5400.00} DPT ED/XXXX XXXX {$1300.00} DPT ED/XXXX XXXX {$5400.00} DPT ED XXXX XXXX {$2800.00} DPT ED/XXXX XXXX {$800.00} DPT ED/XXXX XXXX XXXX XXXXDPT ED/XXXX   XXXX {$2300.00} DPT ED/XXXX XXXX {$2000.00} DPT ED 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 2020-05-21 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$5400.00} DPT ED/XXXX XXXX {$1300.00} DPT ED/XXXX XXXX {$5400.00} DPT ED XXXX XXXX {$2800.00} DPT ED/XXXX XXXX {$800.00} DPT ED/XXXX XXXX XXXX XXXXDPT ED/XXXX   XXXX {$2300.00} DPT ED/XXXX XXXX {$2000.00} DPT ED 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 2020-05-21 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
We are members of XXXX who signed all members up for credit monitoring and reporting. Somehow they must have given Experian the incorrect email address. As a result I am unable to access my account not on line, not by phone and XXXX has the correct information but Experian does not. My email adress in the system at Experian account is already " being used by another person '' and when I ask to reset my password or sign in the email goes to the wrong email address. I am transferring my job out of state on XX/XX/2020 and my credit needs to be accurate so I can rent new housing there in Utah. This is terribly frustrating and no access to a human at Experian ever. I have called 15 times. I called XXXX also. They say it is not the problem of XXXX. Can you help me get a person from Experian to speak with so I can correct the issue please? Membership ID # XXXX at Experian

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 2020-05-21 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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measure afterwards. I just got a duplicate drivers license and a copy of my social security card. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. These accounts are not mine, please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Validify, LLC
State: FL

Complaint narrative:
The company XXXX XXXX changed to Redwood Processing. Their contract ( attached ) says that a customer can cancel at anytime. Payments were automatic deductions from my bank account, on XX/XX/XXXX {$570.00} - XX/XX/XXXX {$570.00} - XX/XX/XXXX - {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$270.00} - XX/XX/XXXX {$270.00}. I don't have the exact date that I called to cancel but it was XX/XX/XXXX. My contact person was XXXX XXXX her contact Info ( XXXX ) XXXX ( cell ) email ( XXXX ), I called her to see when could i expect my refund, she informed me that I was not due any monies refunded to me. I'm attaching their contract to my complaint so that someone in your department tell me that I'm reading this contract wrong or this company has misled me, which is what I believe. Redwood Processing only reached out to my creditors to introduce themselves and to let them know that I am a client of theirs. When I asked XXXX XXXX had they ( Redwood Processing ) resolved any of my credit debts, her reply was NO.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21 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: TX

Complaint narrative:
I was involved in an identity theft incident and EQUIFAX DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from Equifax that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never opened nor have done any business with Nieman Marcus. 

They are reporting me late to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo

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 2020-05-21 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo

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 2020-05-21 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:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX  XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody

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 2020-05-21 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:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX   XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a prepaid card with American Express BlueBird. On XX/XX/XXXX I made a payment to my XXXX XXXX credit card from this card in the amount of {$50.00}. Before the payment went through, we found out our XXXX XXXX card was compromised so we had to cancel the card and were assigned a new credit card number for that account. Because of this, that {$50.00} payment I made from my Bluebird American Express card never went through but was still deducted from my account, and is just in limbo now for almost a month. I've attempted to contact Bluebird American Express multiple times with no resolution. I asked them to cancel that payment and return those funds to my account but they said they can't cancel it. I also asked if I could then give them the new credit card number for where those funds were supposed to go but they said they can't update that either. Now, because they are giving me no options to get my payments to go through to make payments on that credit card, I will be accruing late fees on that account. They finally " filed a dispute '' but said this could take some time. So now my hands are tied, they won't return the funds to me AND they won't give me any option to set up a new bill pay to make payments I need to on that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute with Equifax on XX/XX/2020 about a collection placed on my credit that does not belong to me. On XX/XX/2020 Equifax came back stating the debt was accurate without even completing a thorough investigation. Equifax has repeatedly violated consumer rights by not completing proper dispute investigations which ultimately impacts the consumer in a negative way. There has been no prior notification of this debt and I am positive I have never been treated at this emergency room. This complaint will act as a formal NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your  continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. I have just settled a debt that Equifax continued to report inaccurately on my credit and I dont mind filing a lawsuit again for violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I opened an American express revolving credit limit ( amex XXXX ) card back in XX/XX/XXXX. I held the card for four years and my credit limit was XXXX around XX/XX/XXXX or XX/XX/XXXX Amex lowered my credit limit when my balance reached XXXX claiming that the balance was too high and that I was approaching my limit ( 4,000 difference ). they extorted XXXX dollars from me in order to restore the balance back to the limit they agreed to maintain for my credit line. I paid them and they restored the balance. fast forward to XX/XX/XXXX as  of today ( XX/XX/XXXX ) I have been informed that they are performing the exact same predatory practice as they previously did 1 year ago. My balance is again around XXXX and they have just lowered my credit limit to XXXX in the hopes of extorting a lump sum payment from me. this in general raises concerns about what my true credit limit is if they are uncomfortable with my balance coming within 75 % of the total limit. it takes me a year to spend a few thousand on the card, my spending is consistent and i have never missed a payment. This is financially abusive especially in this time where unemployment is at an all time high. This is unacceptable and must be rectified. 

there are times when credit card lenders will do this and " chase a balance '' but to do so two times in one year is simply predatory and abusive by the very definition of the word.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measure afterwards. I just got a duplicate drivers license and a copy of my social security card. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. These accounts are not mine, please remove them.

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 2020-05-21 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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measure afterwards. I just got a duplicate drivers license and a copy of my social security card. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. These accounts are not mine, please remove them.

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 2020-05-21 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$160.00} XXXX/XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WV

Complaint narrative:
I checked my credit report in XX/XX/2020 and seen a ERC Collection/XXXX which account I never had so I wrote a letter to Validate debt with original signed contract to the CRA 's for validation neither the CRA 's or ERC send me valid proof of a debt that is not mine. ERC sent copies of a bill from XXXX that I never seen even with phone records which is a breech of private information sent to me ad validating the debt. No signed contract. So I proceeded to right XXXX again for their proof of validation which they never sent what proof they have to validate the debt. The debt collector ERC even reported an address I never lived at in XXXX VA and I have proof of that which is another law they broke. This company ERC has violated my rights amd broke numerous Federal Laws according to FCRA and FDCPA. They have no record of my Social Security or any relevant findings that validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$160.00} XXXX/XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$7400.00}

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 2020-05-21 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$160.00} XXXX/XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$7400.00}

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 2020-05-21 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: Utah System of Higher Education
State: MA

Complaint narrative:
I'm disappointed to see late payments on my credit payment history with XXXX, I tried to reach out to them but no reply ... The thing is I don't remember being late on paying my obligations, or else I did not receive the bill for me to pay on time. I appreciate you help with this. Thank you.

Company response to consumer: Closed with explanation