vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-14 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: NV

Complaint narrative:
This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. XXXX showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on 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 2017-12-14 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: NV

Complaint narrative:
This goes back to XXXX .I inquired with XXXX XXXX College about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXXXXXX XXXX showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: NV

Complaint narrative:
This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. Servicing showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX Servicing I requested a fraud affidavit they never provided. This is not my debt a d should not be on 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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on google website.

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 2017-12-14 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: NV

Complaint narrative:
These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
IN XXXX OF XXXX .I CONTACTED XXXX ABOUT MY CHARGE ACCOUNT .I TOLD THEM MY HUSBAND LOST HIS JOB IN XXXX.BUT I STILL CONTINUED TO PAY THIS CREDIT CARD IN GOOD FAITH .TO REPAY DEBT.I MADE.I TOLD THEM MY HARDSHIP CAME DOWN TO PAYING TO KEEP THE ROOF OVER MY FAMILIES HEAD. I ASKED THEM IF THEY COULD LOWER MY PAYMENTS.I TRIED TO MAKE A {$100.00} PAYMENT THEY REFUSED THE PAYMENT.I CONTINUED TO TELL THEM I COULD NO LONGER AFFORD TO PAY ALMOST {$200.00} A MONTH WHICH I PAID THAT AMOUNT EVERY MONTH FOR ALMOST 2 YEARS.I MADE THE PAYMENT XXXX TURNED AROUND AND GAVE ME A NEGATIVE REPORT THE SAME DAY WITH THE CREDIT BUREAU .I MADE THE PAYMENT.THERE REPORT AFFECTED MY CREDIT SCORE.LYING AND SAYING NO PAYMENT WAS EVER RECEIVED WHEN THEY TOOK THE MONEY OUT OF MY ACCOUNT.IN XXXX I TALKED TO 3 DIFFERENT PEOPLE TRYING TO NEGOTIATE THIS ACCOUNT .MY BALANCE DOESNT LOOK CORRECT FROM ALL THE PAYMENTS MADE. I EVEN HAD PROMOTIONS STARTING FROM XXXX FROM XXXX AND XXXX THAT WERE NEVER HONORED.I NEVER REFUSED TO PAY MY DEBT. XXXX REFUSED TO LOOK AT MY ACCOUNT AND REFUSED TO ACCEPT A LOWER PAYMENT FOR ME.AT THE END OF XXXX THEY SENT A STATEMENT ABOUT A PAYMENT FOR {$57.00} AND THEN SAYING THEY WOULD OFFER ME PAYMENT ARRANGMENTS WHICH IS A LIE .AND THEY THREATENED TO TURN ME INTO A COLLECTION AGENCY..IF THERE PHONE CONVERSATIONS ARE RECORDED.IT WILL BE NOTED ALL THE TIMES I CALLED TO NEGOTIATE MY ACCOUNT.THEN A FEW DAYS AGO XXXX XXXX I RECEIVED A NOTICE FROM XXXX ABOUT A CREDIT TO MY ACCOUNT FOR {$36.00} FOR A DEBT PROTECTION PROGRAM.THAT XXXX REFUSED TO GIVE ME BECAUSE OF ALL THE INTEREST THEY WERE MAKING OFF OF MY ACCOUNT.AND THE XXXX STATEMENT SAYS I 'M 4 MONTHS BEHIND HOW IS THAT WHEN I MADE A PAYMENT IN XXXX AND MY PAYMENT DUE DATE ISNT UNTIL THE XXXX OF EACH MONTH.

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 2017-12-14 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: NV

Complaint narrative:
These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. 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 2017-12-14 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: NV

Complaint narrative:
These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. 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 2017-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Opened an account on XX/XX/XXXXwith Santanders promotion to receive {$220.00} after 90 days after meeting terms, ( Receive a {$220.00} bonus by opening an eligible new checking account with the promo code XXXX and doing the following : Receive direct deposits totaling at least {$500.00} within the first 90 days, AND Keep your account open for at least 90 days. ). Direct Deposit Orin the amount {$500.00} was credited to the account on XX/XX/XXXX. It has been 6 months since account opening and the bonus was never received after agreeing on promised terms.

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 2017-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I transferred XXXX XXXX to coinbase dated XXXX/XXXX/XXXX and the money is still not available as per promised. please help in resolving this. 

email : XXXXXXXXXXXX company : coinbase / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on XXXX website.

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than XXXX times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on XXXX  website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on google website.

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 2017-12-14 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: NV

Complaint narrative:
I have credit inquiries from Equifax and XXXX that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud. 
1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14 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: NV

Complaint narrative:
I have credit inquiries from XXXX and Experian that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud.

1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.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 2017-12-14 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: IL

Complaint narrative:
I have tried to contact the company regarding my report numerous times! I was a victim of fraud and my information was compromised during the Equifax breach. Ive had multiple inquires that were NOT authorized by me and wrong information on my report that needs to be removed. Ive tried contacting the creditors and Ive gotten absolutely nowhere. My last try was to contact XXXX! After multiple attempts and being transferred over 4 times with them they finally DISPUTED them but after receiving the results they were not deleted! I called them back and they told me to contact the creditors. After reassuring them that Ive contacted them multiple times they still refused to help! I have NO record of any accounts with the creditors and I am to the point that I am no longer willing to contact the creditors because I have no relationships or contracts with them! It is the credit bureaus responsibility to validate that all inquiries and accounts report on the account are true which they are NOT! This has gotten out of hand and has gone on too long. I need results!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On the reply of my previous complaint XXXX, American Express said they issued XXXX starpoints to my account on XXXX XXXX, XXXX. However, I didnt receive it. American Express simply treated the officers of CFPB as XXXX, and thought that they can just XXXX that they already gave me what I should get, but actually they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: DISCOVER BANK
State: SC

Complaint narrative:
Discover card amount {$7000.00} I was authorized user of my ex wife account and I called and had it removed but the balance is showing under my credit report but its not in my name or social they told me to contact XXXX to have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14 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: IL

Complaint narrative:
Ive submitted a complaint regarding bankruptcy being reported on my report! Instead of following the new law that was placed, they are refusing to remove it! It is not being displayed correctly! XXXX is the ONLY bureau that successfully deleted the bankruptcy. I am going to be forced to take further action if my requests continue to be denied.

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 2017-12-14 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: IL

Complaint narrative:
I have had multiple frauds alerts, inquiries and accounts attached to my credit. These negative accounts are dying my credit. Ive continuously contacted the company to have the removed off of my report. At this point its beconing very frustrating. They have been closed and discharged but the fact that they are there is still hurting me. I would love if they could just please be removed. The customer service that Ive been experiencing with TransUnion has been horrible! Theyve been giving me the run around, and barely wanting to speak with me. It is so unfortunate that I am dealing with this.

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 2017-12-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-14 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: NY

Complaint narrative:
I have sent 4 letters to experian and XXXX in regards to verifying my negative accounts shown on my credit reports and have also sent letter to the creditors proving that the accounts indeed are valid. Nothing with my signature was provided. XXXX after 2 letters deleted all the accounts in question, but he other 2 ( experian and XXXX have not ) I have all the letters sent to the 2 agencies and have certified proof of their receipt. My name has a middle initial with a XXXX and they are sending me stuff with my name with no XXXX These negative accounts are ruining my credit and preventing me from several things im entitled to as a U.S. citizen. Please help. Thanks

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Received a a fraud alert notice from credit monitoring service regarding a Hard Credit inquiry from " Syncb/XX/XX/XXXX '' that I did not authorize. I have credit fraud alerts to notify me of any activity.

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 2017-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent 4 letters to XXXX and TransUnion in regards to verifying my negative accounts shown on my credit reports and have also sent letter to the creditors proving that the accounts indeed are valid. Nothing with my signature was provided. XXXX after 2 letters deleted all the accounts in question, but he other 2 ( XXXX and TransUnion have not ) I have all the letters sent to the 2 agencies and have certified proof of their receipt. My name has a middle initial with a XXXX and they are sending me stuff with my name with no XXXX These negative accounts are ruining my credit and preventing me from several things im entitled to as a U.S. citizen. Please help. Thanks

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 2017-12-14 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: Coinbase, Inc.
State: MD

Complaint narrative:
I have an account on Coinbase, which I use to invest in bitcoin. I have been using Coinbase since XX/XX/XXXX. Since XX/XX/XXXX, I have been unable to make any transactions, including selling my bitcoin. The message I get when I try to sell is that I need to first verify my identity. This has never been a problem in the past using coinbase, so I 'm confused as to why they need this now. When I go to verify my identity, I put in all the correct information and coinbase says they can not verify my identity. This basically means that I am locked out of the funds that belong to me. I first reached out by submitting a support ticket on their website on XX/XX/XXXX. Their response the next day was some generic message about trying to format my apartment number differently or using my legal name instead of a nickname, etc. I responded saying this was not the issue, as there really is n't any other way to format the information I 've given them on the identity verification page. I have heard nothing since then. I also reached out to their support XX/XX/XXXXpage on XX/XX/XXXX and have received no response. I also have made multiple calls over multiple days to their support line, and all I get is an automated message saying their support line is too busy to take my call and they hang up on me. With how volatile the price of bitcoin is, I 've lost hundreds of dollars because I am unable to make transactions. I want to cash out and never use their service again, but I am being blocked from my own funds. They have ignored my repeated attempts to even get into contact with someone from their support team for a week now.

Company response to consumer: Closed with explanation