vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 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: FL

Complaint narrative:
I have been a victim of identity theft. Somebody has been using my personal information to apply for credit and using it without my knowledge. This has taken a huge toll on my personal finances because now my credit is shot due to this. It is very frustrating as I can not get approved for anything due to this theft. PLEASE HELP!

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 2020-04-14 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: FL

Complaint narrative:
On XX/XX/2020my wallet was stolen which included my FL Driver 's License, Social Security Card and my credit cards .... I called my creditors and informed them what happened and received new account numbers .... On XX/XX/2020, I received a call from XXXX  XXXX fraud dpt asking me if I tried to open a XXXX   credit card with XXXX  XXXX, I explained to her about the theft on XX/XX/XXXX and the application was cancelled and noted as fraud. The XXXX  XXXX representative gave me the numbers for XXXX, XXXX XXXX and Equifax, ,also the identity theft.gov where I filed the complaint on XX/XX/XXXX ... 
I have been successful in getting a credit freeze with XXXX, and XXXX ; however, I tried calling Equifax on Saturday the XXXX, and they were closed. On Sunday the XXXX, I tried getting a freeze on their website and before I could finish I needed a pin number and I could call, or they would mail it to me. I decided to wait until Monday to call and speak with them, but it is an automated system which apparently could not verify my identity after I gave them my name, DOB, and SS # ... .. I emailed them informing them of my situation and if credit card was opened fraudulantly, they would be responsible due to their negligence ... .. They are the worst, they should be shut down ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kashable LLC
State: TX

Complaint narrative:
I sent Certified mail to Kashable requesting that they provide me proof that this account was opened by me and to provide proof. They did not send correct info only a statement with the payment due dates which doesnt show proof of anything. They are in violation of the FCRA and FDCPA. They did not respond in the alotted amount of time to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Every single credit card company has either reduced or forgiven interest during this pandemic. NOT Barclays ( XXXX XXXX XXXX ). Even though the fed rate has dropped to 0 %, they are still charging us 20.99 %. We have never paid late and we have excellent credit. I CERTAINLY hope ( and will also go the banking commission ) that they are not going to get any bail out during this crisis. We have transferred our balance to another card but I wanted this to go on record because there are many people out there who do not have this option.

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 2020-04-14 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: FL

Complaint narrative:
I have been a victim of identity theft. Somebody has been using my personal information to apply for credit and using it without my knowledge. This has taken a huge toll on my personal finances because now my credit is shot due to this. It is very frustrating as I can not get approved for anything due to this theft. PLEASE HELP!

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 2020-04-14 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: FL

Complaint narrative:
I have been a victim of identity theft. Somebody has been using my personal information to apply for credit and using it without my knowledge. This has taken a huge toll on my personal finances because now my credit is shot due to this. It is very frustrating as I can not get approved for anything due to this theft. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
on XXXX20 someone pretending to be me called Wells Fargo and asked for a new credit card to be sent to a different address then mine. Wells Fargo granted this request and now a stranger ( I believe named XXXX XXXX ) has my credit card in his possession and used it at least 4 times with total charges of around XXXX dollars. Wells Fargo assisted in this extortion of my good credit and I am left to resolve all forthcoming issues on my own. This is totally outrages, No bank can be this stupid, phone and voice recognition ignored, no phone call or text to me which could easily conformed if it was me or not, this is something I must do constantly, so why was my imposter not put through the same procedures that I must go through? So what is Wells Fargo 's responsibility in this matter? As I am left to scramble to cover all my credit information. Wells Fargo as not called me on this matter, they have not apologized to me, they have not express any concern nor have I received a transcript of the phone call from XXXX20 to see what information was used to obtain a credit card in 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 non-monetary relief
Consumer complaint received 2020-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have 2 charge off accounts with Capital One. They threatened to take me to court and had me served papers. I was served papers the day after my father unexpectedly died putting an extreme hardship on me at a low point in my life. I decided to accept a payment plan with the attorneys office of XXXX and XXXX, XXXX in XXXX, CO to pay off both debts owed on both these accounts. They are both in good standing and being paid as agreed. There should be no reason for Capital One to report my accounts negatively to the credit bureaus. I am trying to improve my credit and have been successful in doing so until this negative response to my dispute abruptly stopped that momentum! My husband and I are trying to buy our family a newer home and this is delaying our chances of pursuing our goal. My XXXX score went down drastically from XXXX to XXXX after my dispute reporting my accounts with them were being paid as agreed. Before this dispute Capital One was not reporting either of these accounts with past due status! I feel I am being discriminated against!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I received acknowledgement of the closure of a West Elm-branded Credit card from Comenity Bank ( account number ending in XXXX ). The current balance of the card, according to the letter, was - {$1000.00}. This was the second of 2 credit cards my husband and I had closed with West Elm after purchasing a {$6000.00} couch from them. We opted to take  advantage of special pricing when purchasing the couch if we opened credit cards with them to finance the couch. We payed off the credit card shortly after purchasing the couch. Due to a malfunction in the couch, West Elm offered us a {$1000.00} credit for the portion of the couch that was not working correctly. We asked that they make that out to us in a check as we were closing out the credit card. Shortly after that, they opened a new credit card account and put a charge of {$1000.00} on the account and started sending us bills. We did not request this new credit card account. I have asked for evidence of the opening documents for it and am being denied access to them ( which I am sure means they don't exist which is a violation of the FCRA ). This account was opened fraudulently and I would like to see it closed, all evidence of it removed from my credit report and all balances XXXX out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: 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 XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$3400.00} XXXX XXXX   XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX {$8000.00} XXXX   XXXX {$17000.00} XXXXL XXXX {$1300.00} XXXX DEP XXXX XXXX {$2000.00} XXXX XXXX   XXXX {$110.00} USDOE/XXXX XXXX {$1400.00} XXXX XXXX {$93.00} XXXX XXXX   XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3500.00}

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 2020-04-14 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: 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 XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$3400.00} XXXX XXXX   XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX {$8000.00} XXXX   XXXX {$17000.00} XXXX XXXX {$1300.00} US DEP ED XXXX {$2000.00} XXXX XXXX   XXXX {$110.00} USDOE/XXXX XXXX {$1400.00} XXXX XXXX {$93.00} XXXX XXXX   XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3500.00}

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 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XXXX XXXX I tried to purchase a companion animal for my daughter. The website has all the necessary stamps making it appear legit. I proceeded to reach out to the owner and inquire more information. Upon speaking to the opener it all seemed legit at first. I was promised a companion animal same day. With all the required akc documention. I then started to notice a change in behavior. After looking into it more with the help of a police it was a scam. I then requested a refund from the seller directly. They said they would. Once they became aggressive and didnt I went to XXXX XXXX directly and inquired on how to get a refund. The seller wanted me to close the case ( which meant to XXXX XXXX no dispute could be filed ) I refused to close the case and the seller never gave me my item or refund. XXXX XXXX wont give me my refund for item not received. I went to my bank. Filed a dispute. I called my bank as soon as I noticed it was possible scam to have the transaction stopped. They temporarily issued a refund. I received a email saying they couldnt permanently give me my refund. I called and asked for a explanation and now they are saying because it was a money transfer its not covered. However XXXX XXXX never explained it was a money transfer. And I never reached a item. The item was XXXX with a. Fee making it XXXX. I provided. Documention from the seller saying I would get a refund and still cant get help. The scammer also scammed a person I know shortly after me. We all reported this to the 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 2020-04-14 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: NJ

Complaint narrative:
I have been a victim of fraud. I reported it to the credit bureaus sent all documents and letters. And I still received no updates.

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 2020-04-14 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: NJ

Complaint narrative:
I have been a victim of fraud. I reported it to the credit bureaus sent all documents and letters. And I still received no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NJ

Complaint narrative:
I reported it to the credit bureaus sent all documents and letters. And I still received no updates.I have been a victim of fraud. And my information is on the dark web. I been dealing with being scams for years. I need helping fixing this issue.

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 2020-04-14 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: GA

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX and XXXX, XXXX, and XXXX   XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX, and XXXX   XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate infomation on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation on my consumer protection rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: FL

Complaint narrative:
I recently checked my credit report and had some accounts that I have never seen before. It says XXXX XXXX and a XXXX XXXX   neither of which I have done business with. I believe these accounts have been obtained fraudulently and someone committed identity theft with my 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 explanation
Consumer complaint received 2020-04-14 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: 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 XXXX {$400.00} XXXX XXXX {$710.00} XXXX   XXXX XXXX {$300.00} XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 — Investigation took more than 30 days
Company: American Enterprises International, Inc.
State: PR

Complaint narrative:
American enterprises illegally reinserted the account # XXXX in my XXXX, XXXX  and XXXX  credit reports. This account have almost 7 years old. For that reason I sent a registered letter on XX/XX/2020 # XXXX ) requesting validation made pursuant to the Fair Debt Collection practices Act and Fair Credit Reporting Act .Not receiving any reply in 30days by American enterprises I decided to send a second registered letter in XX/XX/2020 # XXXX ), requesting again validation documents with a copy of any viable evidence bearing my signature, showing the account is being reported accurately .On XX/XX/2020 they sent a copy of statement that does not have any signature of mine after more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NJ

Complaint narrative:
I reported it to the credit bureaus sent all documents and letters. And I still received no updates.I have been a victim of fraud. And my information is on the dark web. I been dealing with being scams for years. I need helping fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NJ

Complaint narrative:
I reported it to the credit bureaus sent all documents and letters. And I still received no updates.I have been a victim of fraud. And my information is on the dark web. I been dealing with being scams for years. I need helping fixing this issue.

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 2020-04-14 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: NJ

Complaint narrative:
I have been a victim of fraud for years. I recently checked my credit report and noticed a lot of errors and fraud accounts. I send identify theft reports and letters to bureaus and haven't received any updates to my reports.

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 2020-04-14 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: FL

Complaint narrative:
I recently checked my credit report and had some accounts that I have never seen before. It says XXXX XXXX  and a XXXX XXXX   neither of which I have done business with. I believe these accounts have been obtained fraudulently and someone committed identity theft with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: FL

Complaint narrative:
I recently checked my credit report and had some accounts that I have never seen before. It says XXXX XXXX and a XXXX XXXX neither of which I have done business with. I believe these accounts have been obtained fraudulently and someone committed identity theft with my 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 explanation