vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I have been receiving literally dozens of calls for the last few weeks, day and night. They are from many different phone numbers, many with a XXXX, FL ID. Here are a few of them : XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, and more. They are asking for someone I do not know. I looked them up and see that they are a debt collector named sequium that I know nothing about and I have no debt myself, I never have. Every time I have been called by a debt collector over the last 50 years, they were always, always, always looking for someone else that I have never known. Now they are still calling me and my caller ID says : No Caller ID. They called me at least five times in the last few hours with the No caller ID showing on my mobile phone. They are harassing me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Debt Collector Navient Keep getting annoying phone calls. I sent a letter to them on XXXX XXXX and still getting the annoying calls. The calls will be at least three to four times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TN

Complaint narrative:
i have never file for bankruptcy me and my father have the same name this maybe the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello, There are 3 issues with my account with Kohls credit card. 

1. the credit card was never activated. 

2. the card was used by accident by my mother who thought she was paying her card and missed a payment. 

3. this payment that was missed affected my credit report. 

I have fully payed all debt and asked them to remove this from my report as the card was never actually activated by me. I have not heard a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I contacted Equifax several times reguarding this. I have an open auto loan with a local lender. The account was a removed from my report incorrectly effecting the credit dramatically. It dropped my score by 60 points! Ive contacted the dealer who informed me that they are still reporting to equifax and that everything on there end is correct. They also informed me that they have tried to contact equifax them selfs to see what the problem is but were told because its not there credit file that they can not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
I was looking at my credit report today XX/XX/2020 because I need to rent an apartment in the next few months and I noticed that there is an account named XXXX XXXX XXXX XXXX on my report that is not mine ; there are also several inquiries that I never authorized. I don't know who these inquiries and account belong to but I did not give anyone permission to open this account or make these inquiries on my behalf using my personal information such as my name, social security number, birthday etc. I am not affiliated with any of the companies I listed on this report nor did I get any type of benefit as a result of these items reporting on my credit. I did not make any payments towards this account nor am I responsible for it in any way. I have filed a police report regarding all these unauthorized items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH ACTIONS AND MY CREDIT HAS BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I KNOW FOR A FACT THAT THE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I purchased hotel lodging through XXXX. 

The email I received from XXXX DOES allow me to change or cancel my booking, at a price. 

I COULD NOT REACH THEM. You ( Citi ) admitted you still can not reach them. 

Please see below for an excerpt of the email I received which I am happy to provide in total : Cancellation Policy Double ( 2 Double Beds ) Superior Lake View If you change or cancel your booking between XX/XX/2020 XXXX XXXX and XX/XX/2020 XXXX XXXX, you will be charged a fee of US {$750.00}

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 2020-05-20 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 was looking at my credit report today XX/XX/2020 because I need to rent an apartment in the next few months and I noticed that there is an account named XXXX XXXX XXXX XXXX on my report that is not mine ; there are also several inquiries that I never authorized. I don't know who these inquiries and account belong to but I did not give anyone permission to open this account or make these inquiries on my behalf using my personal information such as my name, social security number, birthday etc. I am not affiliated with any of the companies I listed on this report nor did I get any type of benefit as a result of these items reporting on my credit. I did not make any payments towards this account nor am I responsible for it in any way. I have filed a police report regarding all these unauthorized items.

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 2020-05-20 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 was looking at my credit report today XX/XX/2020 because I need to rent an apartment in the next few months and I noticed that there is an account named XXXX XXXX XXXX XXXX on my report that is not mine ; there are also several inquiries that I never authorized. I don't know who these inquiries and account belong to but I did not give anyone permission to open this account or make these inquiries on my behalf using my personal information such as my name, social security number, birthday etc. I am not affiliated with any of the companies I listed on this report nor did I get any type of benefit as a result of these items reporting on my credit. I did not make any payments towards this account nor am I responsible for it in any way. I have filed a police report regarding all these unauthorized items.

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 2020-05-20 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: TN

Complaint narrative:
i have never file for bankruptcy me and my father have the same name this maybe the problem

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 2020-05-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
i have never file for bankruptcy me and my father have the same name this maybe the problem

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 2020-05-20 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: IL

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  XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY 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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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  XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX  XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY 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 2020-05-20 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Due to Covid-19 XXXX XXXX XXXX XXXX allowed me to have a two month payment extension on my existing auto loan. I have made every payment on time since opening this account. Because of recent layoffs at my place of employment my financial situation is not the same as it usually is thus making it difficult to pay the loan payment in full or on time. I made an agreement with XXXX XXXX XXXX to remain current on my account but not pay XXXX or XXXX monthly payment. I have written documents stating everything I mentioned above from the loan company and myself. Unfortunately I was notified last week that my credit score was hit extremely hard dropping the total score 106 points. The reason for this decrease in score is non payment/ late payments reflected on my XXXX account. This should not reflect on my credit score and definitely should impact it negatively considering the legal written agreement between myself and the loan company allowing me to have a two month payment extension. I would like this removed and my score to go back to score it was prior to this information.

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 2020-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint narrative:
Hi, I went to buy a New Nissan after my Lease was up, this is like my 10th lease, I know how this all works. My credit was 720, the finance officer came back said it dropped to XXXX? I said why? .well they said you have to have a XXXX to lease. I got upset, left, went to XXXX to look, XXXX said they would lease me a new XXXX truck. I went back to Nissan they said well, we will pay off the vehicle but if you want to lease again with us we will waive the XXXX credit score minimum with us but..if you Lease again with us we will pay all the fees related to any overages up to XXXX on your old vehicle if any. I was under mileage by XXXX miles!! I had No Overages. I then went to XXXX. 
They said we have great deals on XXXX. So I said what about my credit? They said No issues. I said let 's do it. 
I went to review my credit report and found that Nissan Closed my account 2 weeks before my lease was ending, that is what Hurt my credit. They lied to me at the Dealerdhip, I called Nissan. They  verified they closed the account before the lease was over apologized, they then opened the account back up? How can they Close my account before the auto is returned? And, then open it again? Hurting my credit already? I went to finance Mgr, at Nissan,  He was Gone. The Sales person Gone. The New Sales Mgr told me, they Nissan were doing this to get individuals to Lease New Nissans!! Hurt my credit so I can only Lease thru them only, Really!! That is Fradulent!! Illegal!! This is Not right!!

I now get paperwork from Nissan that I owe for over Mileage Wrong, Ware and Tear, Wrong, and that they now want me to pay Fees that by their own admission are wrong due to them Fradulently trying to trap, entrap customers by illegal processes. Something must be done to ensure this does not happen to customers!! Its not fair or right!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items 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 2020-05-20 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 have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items 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 2020-05-20 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: GA

Complaint narrative:
My credit 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 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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit 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 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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit 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 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 2020-05-20 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.

Company response to consumer: Closed with explanation