vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$2600.00} XXXX XXXX XXXX {$21000.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} BANKRUPTCY CHAPTER XXXX - DISMISSED 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 2020-03-03 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$21000.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} BANKRUPTCY CHAPTER XXXX - DISMISSED 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 2020-03-03 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 looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2020-03-03 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 owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I 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 any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT EDXXXX XXXX {$3600.00} DPT EDXXXX XXXX {$6800.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX   XXXX {$12000.00} XXXX XXXX  XXXX {$480.00} XXXX XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX  XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the 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 is 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Some time back ( years ago ) my wife and I froze our credit reports. We are in the process moving to an apartment in Massachusetts and need to temporarily unfreeze the accounts. 

I tried to do this today -- XX/XX/2020. 

XXXX was easy. They have a user friendly website and I was able to unfreeze both accounts. 

On the other hand, both XXXX  and Equifax have very unfriendly websites and useless phone numbers that walk you down deadends and then hang up on you. Equifax uses non-American people who are very difficult to understand. 

I can not unfreeze the two accounts and am very frustrated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: CO

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the 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 is impossible to be late on an account with a zero 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 2020-03-03 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the 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 is impossible to be late on an account with a zero 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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had an account with Experian that was furnished by XXXX, however, Experian canceled it and started charging me for the service, there explanation was I didn't need two accounts. They canceled the account that was free to me, and started charging me a monthly fee. However when I canceled the pay account they unlocked my credit and will not allow me to lock it again until I pay for a upgrade account No other credit reporting service does this. I feel this is a rip off. Should be able to lock and unlock your credit report as you want.

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 2020-03-03 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 looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
there are several accounts appearing on my credit report. i do not recognize these as mine. someone has fraudulently opened these accounts and they cant be reported on my credit. there is a XXXX XXXX/XXXX    account opened XX/XX/XXXX. a XXXX XXXX  XXXX opened XX/XX/XXXX. a XXXX account opened XX/XX/XXXX. a XXXX XXXX XXXX opened XX/XX/XXXX. a XXXX XXXX XXXX XXXX   opened XX/XX/XXXX , another XXXX XXXX XXXX XXXX  opened XX/XX/XXXX and lastly an XXXX XXXX XXXX XXXX  XXXX  was opened inXX/XX/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 2020-03-03 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: MD

Complaint narrative:
For my account with XXXX XXXX, they reported I missed a payment. However, if you look, I am ahead on my payment and the balance is up to date and paid over the minimum amount due. Please have them remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I'm challenging a series of errors on credit file according FCRA guidelines 1. Payment history is inaccurate according to number sequence. Review attached documents from Experian to support findings. 2. It states payments were made 48 % onetime, which is incorrect. Payments review by the amount of time determined by number of payments which generate differ from whats on credit report. 3. Update status states XX/XX/2020 which is a National Holiday all agencies are closed. Home was recently sold.

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 2020-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
For my account with XXXX XXXX, they reported I missed a payment. However, if you look, I am ahead on my payment and the balance is up to date and paid over the minimum amount due. Please have them remove the late payment.

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 2020-03-03 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: MD

Complaint narrative:
For my account with XXXX XXXX, they reported I missed a payment. However, if you look, I am ahead on my payment and the balance is up to date and paid over the minimum amount due. Please have them remove the late payment.

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 2020-03-03 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 was on vacation and either I lost my wallet or someone stole it. I Had my personal information in there including my social security card. Who ever found my wallet used my information to take out loans in my name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: VA

Complaint narrative:
I was on vacation and either I lost my wallet or someone stole it. I Had my personal information in there including my social security card. Who ever found my wallet used my information to take out loans in my name fraudulently.

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 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC
State: NH

Complaint narrative:
This company first of all goes by many different names. XXXX XXXX and XXXX XXXX harassed my brother at his place of employment seeking information on me. They also harassed an old roommate of mine whom I have not seen in years. They find any information about you online and harass everyone. Upon starting to pay them because I was unaware of any rights of mine protecting me against unfair debt collections, and I was also terrified of them harassing my friends and family. I am almost done with paying them and come to find out I receive another bill from yet another debt collector for the original debt that I supposedly paid to these people! ASG XXXX, XXXX, XXXX, XXXX. I found all these names.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-03 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: AL

Complaint narrative:
I disputed with TransUnion about a XXXX collection account on XX/XX/2020. I also disputed this unverified account with XXXX and XXXX. This account was removed from XXXX   and XXXX reports due to being unverified, but Transunion deemed it verified, how is this possible without having proof of verification?? XXXX  and XXXX credit reporting agency removed it according to standards of the fcra as it was supposed to be removed if unverified, but yet TransUnion deemed it verified. I asked for proof of verification from both TransUnion and from XXXX collection directly and have not received anything from either. so if XXXX was not able to verify the account, XXXX and XXXX deleted it as they were supposed to by law. How is it that TransUnion found this verifiable and continue to report this on my account. I want this account deleted from my report due to being unverified!!!

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 2020-03-03 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:
Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and 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 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
In XX/XX/2019 when traveling thru XXXX airport with Delta, I was approached about opening an AMEX Delta Gold card, and would obtain XXXX bonus points/miles. I was asked if in the last year I have applied for a " Delta AMEX card '', which I had not. I had to spend x amount of dollars to receive the bonus in 3 months. I have spent that amount and when I called about not receiving my bonus points I was told that due to my credit history I did not qualify for this promotion. I told them well I was never told that when I was applying. We pay off our bills every month, I don't carry balances on any cards. After 1st customer service representative couldn't help me further. I asked to speak to his supervisor. Which I did and he told me that since I had opened up a XXXX AMEX card in XX/XX/2019 that I was not allowed to get the promo with Delta AMEX within the same year. 1st he said that I should have gotten a pop up online telling me this but when I said it was a representative in the airport he said well they should have told me. Well they didn't, or I wouldn't have opened up the card at that time. I asked who those representative were employed by so that I could make a complaint to the right place whether it be Delta or AMEX and he said they are employed by one or the other, could be either. I asked to speak to someone else to further my complaint and he was to have someone call me back in 24-48 hours. I never received that phone call. I am very dissappointed in this customer service. I should have been notified at the time of application and I was not. I feel they didn't tell me knowing that I would not finish application and then they would have not met their quota of applicants for the day. i was even more upset because later that week I received an email with an offer for more miles than I was offered in the airport. If I am not available for the promos why would they send out an email to me offering it. Especially after I had applied. The fact that when I was promised a phone call back and never received it is very upsetting. The offers were with separate companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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:
there are several accounts appearing on my credit report. i do not recognize these as mine. someone has fraudulently opened these accounts and they cant be reported on my credit. there is a XXXX XXXX/XXXX account opened XXXX XXXX a XXXX bank delaware XXXX XXXX XXXX a XXXX account XXXX XXXX XXXX a XXXX XXXX XXXX opened XXXX XXXX a XXXX XXXX XXXX co XXXX XX/XX/XXXX XXXX another XXXX XXXX XXXX co XXXX XX/XX/XXXX and lastly an XXXX XXXX XXXX XXXX XXXX was opened in XX/XX/XXXX 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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:
Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and 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 2020-03-03 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:
Someone used my information illegally and obtained several lines of credit fraudulently and now my credit is shot because of it. I am a victim of identity theft and trying to get back on track with everything and this is causing me so much trouble for me and my kids. Please help me. The fraud accounts are as listed XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation