vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 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: VA

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I reached out to the FTC and local police. Im doing this on my own behalf. I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. ( lnquiries ) : XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX recently refunded a purchase I made to my Chase credit card. The card the money was returned to was closed by Chase last year. I have reached out to Chase to request this money be returned to me, however, they refuse to look into the matter. They have only sent me canned responses for over a month now, stating they will " get back to me within 6 business days ''. Every single time I reach out, they say the exact same thing - even though it's been close to 25 business days since I requested the help. Chase needs to return this money to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 a debt collector went to my house at around XXXX XXXX  and pounded on my door until my XXXX year old daughter answered. He demanded to know if I lived there and said he had a package for me. She said she was scared and reluctantly opened the door at which time he pushed papers at her and walked away. The paperwork said capital one is suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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:
I was advised to contact you guys regarding some things on my credit that is not mine. I went to the XXXX dealership and test drove a XXXX. I really need a car so I went home and checked my credit report just to make sure my score was ok. While doing so I noticed a couple of items on my credit report that are not mine. I have contacted my local police and the FTC. I need these items deleted from my report. XXXX, XXXX, THE BUREAUS, XXXX, XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-04-19 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:
I was advised to contact you guys regarding some things on my credit that is not mine. I went to the XXXX dealership and test drove a XXXX. I really need a car so I went home and checked my credit report just to make sure my score was ok. While doing so I noticed a couple of items on my credit report that are not mine. I have contacted my local police and the FTC. I need these items deleted from my report. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX, XXXX. XXXX/XXXX XXXX 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 2019-04-19 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:
I was advised to contact you guys regarding some things on my credit that is not mine. I went to the XXXX dealership and test drove a XXXX. I really need a car so I went home and checked my credit report just to make sure my score was ok. While doing so I noticed a couple of items on my credit report that are not mine. I have contacted my local police and the FTC. I need these items deleted from my report. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX, XXXX. XXXX</XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
date XX/XX/19 amount {$650.00}. Ditech agent proceeded to take two payments of {$650.00} when during the recorded phone call I told her I only had enough for one payment and when I get paid next week I would sent next payment. I looked at my bank account today after the gas station said there was no money on my debit card for gasoline. What I saw was an overdraft for {$500.00}, a {$28.00} charge fee from the bank, and a deficit on the account of {$160.00}. that is when I saw two ach to ditech each for XXXX. I then went to my email and saw two confirmations one minute apart even though only one payment was authorized. I have emailed ditech but have no money now for XXXX as like many others in the country, I live paycheck to paycheck and the little left til paycheck next week was just enough for XXXX. I am sure the company will say it was a mistake, but I would like to say a mistake with consequences. Possibly this double payment mistake has happened to others

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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:
I was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, XXXX, XXXX. Inquiries : XXXX  { XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-04-19 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:
I was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX/XXXX XXXX/XXXX. XXXX XXXX XXXX, XXXX, XXXXXXXX. Inquiries : XXXX { XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX. XXXX/XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 2019-04-19 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 was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX/XXXX XXXX/XXXX. XXXX XXXX XXXX, XXXX, XXXX. Inquiries : XXXX { XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX. XXXX'./XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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:
I was looking at my credit report and noticed multiple accounts that's not familiar. I'm not sure where they can from. Please delete these accounts immediately.

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 2019-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-04-19 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: OH

Complaint narrative:
I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-04-19 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: MI

Complaint narrative:
A dispute was created on XX/XX/XXXX regarding an existing issue. The issue is that a negative pay status was reported on my account on XX/XX/XXXX which caused credit score to decline. Since XX/XX/XXXX my credit has been increasing due to timely payment, loan pay-off, etc. Credit score has increased by at least 30 points. Recently, an inquiry/dispute was opened with Experian due to new evidence which I believed would have been helpful for Experian to over-turn the neagtive pay status. On XX/XX/XXXX, 10-days after the dispute was opened, Experian reached out with the dispute result. 

The result stated that the negative report can not be over-turned. The issue is that Experian removed the negative pay status that was created on XX/XX/XXXX and re-inserted the negative pay status once again on XX/XX/XXXX which caused credit score to decline sharply. Not only there was no gain from the dispute/inquiry created with Experian, but somehow the dispute adversely affected my credit score. I was not warned that creating a dispute will cause credit score to decline. I have been paying all my bills on time which was causing credit score to increase. It is extremely unethical for a credit reporting agency to adversely affect a credit score for a simple inquiry. This adverse activity was not caused by new untimely payment or any new issue. The negative pay status had already existed and nothing was gained. 

I am asking that Experian would re-adjust the negative reporting status as well as the credit score. A  simple dispute should not decrease a credit score by any margin. I have been paying all bills in a timely manner. If I had know this would happen, I would have never created an account or created any inquiry/dispute. The dispute was outstanding for only 10 days and there was no again. My credit score was adversely affected by creating a dispute, how is this ethical?

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 2019-04-19 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:
After sending my police report to Equifax at my attorney 's urging to block several fraud accounts.equifax proceeded to unblock several accounts that had been blocked and did not appear on my report.coencidentally XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all reappeared on my credit file the same exact date that XXXX XXXX XXXX and XXXX XXXX we're deleted from my report.this is illegal.XXXX XXXX XXXX XXXX and XXXX XXXX are fraud accounts and they, Equifax has proof, as does the creditors.The two collection accounts they put on my report are not even being reported by the actual collection companies.equifax is reporting these four accounts illegally and they need to be removed as they originally were!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
On XX/XX/19 Phoenix Financial Services placed a collection on my XXXX credit report for {$1300.00}. This debt was previously expunged from my credit report ( XX/XX/19 ) due to another collection agency verifying the debt had been paid and the charge was fraudulent. I tried to call the number listed on my report and was hung up on by the rep

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/19 Experian added a collection on my report ( {$1300.00} ) from XXXX XXXX XXXX for the same charge which was deleted on XX/XX/19. They allowed a collection agent to place a debt on my report which the company previously investigated, found to be false and deleted. This is fraudulent and illegal. I believe experian is selling my personal information to outside collection agents.

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 2019-04-19 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:
I was looking at my credit report and noticed several accounts that doesn't belong to me. Please remove them. They are messing up my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express duplicates charge off of the same credit card account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$6000.00}. 

I request AMEX Cease and Desist. Due to age discrimination I have been unemployed since XX/XX/XXXX when laid off from FICO as a XXXX XXXX XXXX. 
I request AMEX Cease and Desist to settle account at 60 % and immediately sue. 
Judgement will fall off consumer credit report after 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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:
I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. XXXX. 
XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX. INQUIRIES : XXXX/XXXX, XXXX. I have contacted the FTC and my local police. Im also doing this on my own behalf.

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 2019-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I attempted to open a high yield savings account in XXXX, and PNC said I'd receive a response by email within a few days. Not only did they not email me, they rejected my application citing the Patriot Act saying they were unable to verify my identity. At no point did they give me a chance to submit further material. I submitted my driving license information and several attempts to rectify this resulted in " I don't know what happened '' from the company, including from the escalation agent, the consumer verification department, and the Patriot Act compliance branch of the consumer verification department. Nobody has been able to tell me what's going on, and numerous people straight-up just said they had never heard of this issue before. The Patriot Act compliance branch was also a third-party company and the person there was going on about some nonsense about how adverse credit events can be a cause for rejection, but still this person had never heard of a Patriot Act rejection before. She said she could try to fix the issue if I handed over an inappropriate amount of my personal information to this third-party company but there were no guarantees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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:
I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. XXXX 
XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX XXXX.  I have contacted the FTC and my local police. Im also doing this on my own behalf.

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 2019-04-19 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:
I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. XXXX. 
XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED, USDOE/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX. INQUIRIES : XXXX/XXXX, XXXX. I have contacted the FTC and my local police. Im also doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief