vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED 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 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2020, opened an account in response to {$500.00} promotional bonus offer and despite meeting all requirements have not received the promotional bonus. In addition, received from this institution a letter of investigation related to fraud on my account. Upon chatting with representative on XX/XX/XXXX, to inquire about the status aforementioned bonus payment, was told there is a fraud block on my account and that I would need to contact department by phone. Immediately called, was transferred around couple times, spoke to an individual by name of XXXX, who was said to be able to assist, and eventually said he couldn't help and I should go to a branch. Given circumstances related to coronavirus, I am not going to expose people or myself to possible infection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1700.00} XXXX {$1600.00} XXXX {$640.00} XXXX {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1700.00} XXXX {$1600.00} XXXX {$640.00} XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Someone opened accounts in rude Nordstorm company on my name. I tried to remove them for a long period with police report as I am victim of fraud. While they are wasting my time and my money and causing me huge damages then few weeks ago I contacted a lady at Nordstrom fraud dept XXXX XXXX XXXX She is the manager at fraud dep. She asked for my ID for the removal of the wrong reporting since they never had my id before. I told her I wouldnt like to send her my ID as it is not secure but she gave me her personal email and insisted it will be to my favor. On XX/XX/XXXX XXXX To remove the fraudulent reporting from my account she asked me a statement and my I.d to process it. I didnt realize they mislead me /her and her supervisor XXXX- ( which never return my call ) and wanted to store an Id from me on file so now they could tell that it was ME opening Nordstrom accounts ! 
Since Im victims of fraud Im Afraid they using my current i.d i gave them on XX/XX/XXXX fraudulent on my profile since they dont have any other info or prove it was me. Now they refuse to remove those accounts even I never did Bussines with them Mrs XXXX XXXX fraud dep from Nordstrom account Ending XXXX and all other suspicions account XXXX and later. 
I submitted 2 Police complaints and reports as they requested and demand they will remove the wrong reporting ASAP without Delay. They are cheating and will be subject to lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The following unauthorized fraudulent inquiries on my report is an act of identity theft. I'm demanding that the credit reporting agency known as TRANSUNION, remove these inquiries from my credit file immediately and/ or show just cause and The Method of Verification in to this matter. I'm demanding physical documentation that verifys these actions. Please remove the following unauthorized inquiries. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX  ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX  ( XXXX ) 7 ) XXXX  ( XXXX ) 8 ) XXXX  ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: FL

Complaint narrative:
Experian and XXXX are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$5600.00} XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$5600.00} XXXX {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$1800.00} XXXX {$20000.00} XXXX {$11000.00} XXXX {$17000.00} XXXX {$3900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
We refinanced our mortgage with another lender, but our previous lender was CMC Funding. Due to the refinance, we were to receive money from our escrow account equaling about {$4500.00}. We have received {$2100.00} of it but have not received the {$2400.00} from the insurance portion of escrow. I have contacted them on numerous occasions. Earliest being close to XX/XX/20 with me requesting status on our escrow checks. This date I was told that XXXX XXXX was paid {$2400.00} using a card and I would need to contact them. I contacted the insurance company and they told me that the charge was reversed due to Insufficient Funds back to the card they used. Most recently on XX/XX/20 when I was told that the charge to insurance was reversed and we would receive the funds by check in at least two weeks. Today ( XX/XX/20 ),  I'm being told it will be 19 days. Also, CMC Funding has not issued the Lien Release to the Registrar 's Office in XXXX XXXX, TN so we can close on our second mortgage. They said they would resend it online but they have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$94.00} XXXX {$3000.00} XXXX {$95.00} XXXX {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019, someone fraudulently used my XXXX credit card ( issued/managed by XXXX XXXX ) to purchase what appears to be the same item in span of a few days from a store or an online order in New Jersey. I live in XXXX, FL and have not been in that other state. Because I have not used this credit card in years there was no balance, upon this charges occurred statement were sent to wrong address so did not reach me. After a few months XXXX/XXXX   contact me via phone to let me know the balance for those transactions in XXXX, which were overdue, I immediately reported those were fraudulent charges and file the corresponding information to initiate a fraud investigation. When I reached the credit report entities XXXX and Transunion to report fraud, I noticed the negative reporting on my credit report, I have never being late in any outstanding credit account now or ever. I filed a dispute, both entities closed the investigation indicating that my dispute was validated with credit issuer ( XXXX ) but the late payment will remain. The account with was closed and balance removed was not late because I was not responsible for these fraudulent charges. However, despite various attempt to remove the delinquent or missed payments notes on my credit report, XXXX and Transunion has not cleared that from my credit report record, which has a significant impact in me credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$94.00} XXXX {$3000.00} XXXX {$95.00} XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$94.00} XXXX {$3000.00} XXXX {$95.00} XXXX {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian did not address my issue correctly in my previous complaint with CFPB. I am aware I must file a dispute for inaccurate or fraudulent accounts that reflects on my credit report. Ive took the steps that were needed to file my dispute with Experian directly on XX/XX/2020. So a dispute is currently in progress however, these steps have been taken in the past and nothing has been resolved which is why I took additional steps by contacting CFPB directly. Experian must reevaluate my complaint. I have contacted this bureau on numerous occasions to have the incorrect information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. The accounts that are reflecting on my consumer report that have been deemed fraudulent is XXXX XXXX and XXXX XXXX. So I will continue to submit my complaints through the CFPB portal as well dispute the information through the bureau directly until this issue is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1100.00} XXXX   XXXX {$350.00} XXXX {$1000.00} XXXX {$390.00} XXXX {$630.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: IL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorreclty that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorreclty that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years 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.

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