vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 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 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.

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 2020-07-27 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 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.

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 2020-07-27 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:
I have contacted Experian and filed a previous complaint XXXX explained that I have NEVER applied for anything using my credit report. I have explained numerous times that the accounts for XXXX XXXX {$470.00} & XXXX XXXX  XXXX {$420.00} does not belong to me. These are not my accounts and I have not received anything from these companies. I have been a victim of identity theft and these accounts were opened as a result of fraud!!!!!!! Experian deleted the account for XXXX XXXXXXXX XXXX but not the XXXX XXXX {$470.00}. Please delete this account previous documentation has been faxed.

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 2020-07-27 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accountsXXXX  XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX XXXXXXXX {$480.00}

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 2020-07-27 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accountsXXXX XXXXXXXX {$8500.00} XXXX XXXX {$23000.00} XXXX XXXXXXXX {$480.00}

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 2020-07-27 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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a home equity loan and was denied. Reasons, serious delinquency, excessive amounts past due on accounts, time since delinquency is to recent or unknown. Further investigation revealed that Citibank had made errors and never closed an account that I was burglarized on. They ran up the fees and closed the account for non payment unbeknownst to me. They gave me a letter stating such mistakes. They will not give me a refinance loan due to there errors. Im stuck paying a high interest mortgage. They claim that I have to fix the errors with the credit bureaus. They caused financial stress and turmoils due to there inaccuracies and failures to remedy it. Furthermore, there banking app has flaws which I brought to there attention. It does not report all scheduled payments. I feel so helpless fighting a big bank. Ive spent 30-40 hours being redirected to a department who cant help me. Im at such a loss how an institution can get away with this. Ive been a customer for 23 years and have had my mortgage with them for 16. I apologize for not keeping a lot of money so I can receive better service, but I figure most cant. I have less then 10 % debt to income ratio, an excellent credit score until I paid off most of my credit cards and my score dropped. Im on a XXXX income from the fdny. They also denied me stating I dont keep a high enough balance. They also state that I have excessive obligations in regards to my income. My financial obligations only account for 25 % of my income. They are also stating that my recent credit score which dropped to XXXX was to low for them. This has to be illegal or some type of financial biast for many different reasons. I doubt a lawyer would represent me because Citibank will just prolong the case. It would not be financially feasible for an attorney to handle it. 
They are also technically financially responsible for any interest rates that I was given because of there inaccuracies. There has to be accountability. I pay my bills on time and work very hard being financially responsible in XXXX. They are burdening my financial load especially through these tough financial times due to the pandemic.

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 2020-07-27 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 have a late payment on XXXX credit card. This payment was reported late in XX/XX/XXXX. XXXX extended me an extension because of the Corona Virus. 

Overview You're currently using 86 % of your account 's limit. 
Balance {$3800.00} Credit limit {$4500.00} Minimum monthly payment {$78.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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:
I have a late payment on XXXX credit card. This payment was reported late in XX/XX/XXXX. XXXX extended me an extension because of the Corona Virus. 

Overview You're currently using 86 % of your account 's limit. 
Balance {$3800.00} Credit limit {$4500.00} Minimum monthly payment {$78.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos )

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 2020-07-27 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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

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 2020-07-27 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 was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.

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 2020-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
I CURRENTLY HAVE A 2ND MORTGAGE WITH 21 CENTRURY. I AM TRYING TO REFINANCE MY LOAN AND WHEN THE PAYOFF WAS REQUESTED THEY INCLUDED AN ADDITIONAL {$7000.00} OF ACCRUED INTEREST WHICH IS UNETHICAL AND UNFAIR. 

NEVER HAVE MY MORTGAGE STATEMENTS REFLECTED THIS ACCRUED INTEREST IN MY MORTGAGE STATEMENT. 

I HAVE INCLUDED THE PAY OFF THAT I RECEIVED FROM 21ST MORTGAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. 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 am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TX

Complaint narrative:
XXXX XXXX STILL HAS A LOAN SHOWING THAT WAS PAID OFF. 

{$42000.00} Reported balance Highest balance {$44000.00} You've paid off 4 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$44000.00} Monthly payment {$0.00} Opened XX/XX/2019 ( 7 mos ) Term 63 months ( 5 years )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
the companies are reporting incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a Synchrony Lowes credit cards. I paid the account in full. There was an interest charge that was added to the account for approximately {$4.00} that became overdue. I never received a bill, statement, or phone call to let me know that this amount was past due. This resulted in Lowes reporting negative payment information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I paid a little more than half of by credit card balance ( {$650.00} ) on my Sears Citi Bank Master Card, and on XX/XX/XXXX I pd the remaining balance of ( {$510.00} ) This reduced my balance to {$0.00}. Around XX/XX/XXXX I received a letter saying my credit card account had been closed by the company due to inactivity. I hadn't used my card in several weeks due to being quarantined because of the COVID-19 Pandemic. I attempted to speak with a customer service rep who was less than helpful and basically said there was nothing I could do about it. Around XX/XX/XXXX I was notified by XXXX  that my credit score had dropped 25 points due to the closing of this credit card account. Today, XX/XX/XXXX I spent over 2hrs on the phone either on hold or being passed back and forth between customer service at Sears and Citi Bank card recovery services. I explained what had been happening and I was just passed off again to someone else who said I had the wrong dept. and would transfer me back to the department I had just come from. This back and forth happened about 6 times with two of the conversations being so garbled on the other end I could not understand the person. After two hours of this I gave up.

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 2020-07-27 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. 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 am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. 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 am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 am a victim of identity theft this is so unbelievable someone has hack into my personal information. 
and open fraudulent Accounts and its seem as if they are applying for credit and shopping for a car please help me resolve this situation every account on this report is fraud

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 2020-07-27 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA USA STILL HAS A LOAN SHOWING THAT WAS PAID OFF. 

{$42000.00} Reported balance Highest balance {$44000.00} You've paid off 4 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help.

OVERVIEW Highest balance {$44000.00} Monthly payment {$0.00} Opened XX/XX/2019 ( 7 mos ) Term 63 months ( 5 years )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I used to have a {$15000.00} credit limit with Citibank, but this week they lowered my credit limit to {$4500.00}, because their XXXX  division states that I have too much debt. I make my payments to XXXX, I still have a job, I haven't asked for any assistance or forbearance, but they STILL lowered my credit limit over XXXX! This should be illegal.

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 2020-07-27 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:
I had a late payment on my XXXX XXXX home mortgage that was reported in XX/XX/2020 and was recorded XXXX by the other two credit bureaus. Transunion has this late recorded as XXXX creating the appearance of multiple months where payments were late/missed when it was only 1 occurrence.

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