vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 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: PR

Complaint narrative:
All of these inquiries where not initiated on authorized by me please remove. 
I attempted to resolve the issue but was told nothing could be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optima Recovery Services LLC.
State: TN

Complaint narrative:
I have tried on numerous occasions and have disputed a collections on my credit report numerous times to get proof that this collection belongs to me to no avail. The debt has remained on my credit report and I still have not received proof of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX i went into the chase bank to take care of some banking. i was asked why i was with drawing such a large amount from my savings. i told them i was refinancing my home. so they asked if they could try to match the offer. i figured why not let them try. so i met with one of there lending advisers. his name was XXXX XXXX. XXXX XXXX he took my information and started an estimate to see if he could match or beat the other offer. At first i thought he was going to but decided to stay with the first offer. in the process XXXX told me that in order for him to continue the estimate i would have to agree to give him a credit card number he could use for a {$500.00} fee that would only apply if i agreed to go forward with there offer. when i told him that i had decided to stay with the other loan offer he got upset and said that i was not going to get the {$500.00} dollars back.i was not told that this was not refundable until i told XXXX i did not want to go forward with his offer. not only was he very rude about it he told me i would not get my money back. there was no services rendered other then the estimate he agreed to do for me to see if he could match or beat the other offer. i had no idea he was going to keep my {$500.00} dollars for just his estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One denied a recent application of mine because of the security alert on my credit report. 

They advised me that until my current phone number is updated and they can call me it will remain denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX denied a recent application of mine because of the security alert on my credit report. They advised me that until my current phone number is updated and they can call me it will remain denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: NY

Complaint narrative:
XXXX CARD is recorded as both hard and soft inquiries on XX/XX/2018 ; yet sometime that month and year XXXX ( XXXX ) called me and asked if I applied for an XXXX XXXX on that date. I told them no I didn't and left it at that because I wasn't sure if it was in fact XXXX XXXX since I get quite a few scam calls. I said nothing more and hung 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 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX denied a recent application of mine because of the security alert on my credit report. They advised me that until my current phone number is updated and they can call me it will remain denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX denied a recent application of mine because of the security alert on my credit report. They advised me that until my current phone number is updated and they can call me it will remain denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
To Whom it May Concern, Everytime I have contacted Equifax since the first recognition of my information being displayed incorrectly, back in XXXX of XXXX, I have nothing but come across continuous roadblocks. I was asked to fax : my birth certificate, my ID, SS #, phone #, address verification and a cover letter of why I am disputing information, when I initially called to report my birthday is reported incorrectly, I sent Equifax rhese items via fax as they requested. I haven't been able to answer the security questions correctly to have a telephone consult on why this hasn't been changed and I don't know what misinformation the security questions are recorded as. I have complied with this request 2 times since the initial fax to unlock my account, although they are not asking for me to fax my Birth Certificate to unlock my account they are requesting the other documents listed above. I will try and explain this scenerio as best I can, quickly and effectively and I hope that this time it will be taken seriously with accurate credit report results. 

Just for the record ... I will say that I was divorced in XXXX and filed a bankruptcy in XXXX. Beings as I had the bankruptcy I found no need to try and apply for any credit other than a simple minimual balance capped credit card with XXXX XXXX. Equifax is the only agency reporting my date of birth in errors, which I have attempted several times to change because they are the first credit report to be veiwed when applying for jobs and credit. Equifax reports that the the duration of this information is around 10 years. Overall, I beleive that this misinformation has hendered my ability to obtain a good paying job and also any credit as I would be 12 years older than I actually am. 

Aside the fact that I never claimed residency to the below addresses being reported and would also like these to be removed : XXXX XXXX XXXX XXXX, XXXX WA XXXX - XX/XX/XXXX ( co-signed for daughter ) XXXX  XXXX  XXXX XXXX WA XXXX - XX/XX/XXXX ( XXXX XXXX XXXX XXXX rented after we seperated ) XXXX XXXX XXXX XXXX XXXX, WA - XX/XX/XXXX ( XXXX rented a box there after we were seperated ) I recently requested an address be removed in an online dispute and the changes were made with out any questions asked. Yet they won't change the items that are important to be changed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/XXXX I sent an amount of {$300.00} to my account in XXXX and my bank did not accept the transaction so I requested a refund to Western Union, the same day they confirmed the refund and informed me that in 7 business days would be available on my account but after that time determined by themselves the value was not available on my account.

I returned contact with the bank and they apologized and informed me that in 2 4 hours would be available, and since then I contact them EVERY DAY, for more than a month, and they always inform me that in 24 hours will be available and it never is. Last Sunday XX/XX/XXXX I was informed of a withdrawal number in which I could go to any Western Union closest to my house and withdraw the money, but I was informed that there was no withdrawal available for that number. Every time I contact them, they ask me what my relationship was with the person who sent the money, even though I said it was myself. They can't solve my problem and I've been trying to get my money back for more than 1 month, which should only be 7 business days and they give me no positioning as to when I can withdraw this money because every time I contact they tell me that in 24 hours someone will contact me and no one will contact me.They said they were going to call me but they called me once but i said couldnt talk as i as working and they never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: CA

Complaint narrative:
Re : Violation of 15 U.S.C. 1681b ( c ) Verifiable Proof/Documentation of My Non-Existing Authorization/Signature DEMANDED Name : XXXX XXXX Last Four Digits of Social Security : XXXX Violation of 15 U.S.C. 1681b ( c ) : Unauthorized/Unlawful Multiple Inquiries Dates Placed on Credit Report : XX/XX/XXXX and XX/XX/XXXX ( Twice ) Credit Bureau : Equifax Dear Sir or Madam : I write this Complaint in a good faith effort to resolve the issue of the unauthorized/unlawful inquiries referenced above. Please note that this is not an acknowledgment or acceptance of said inquiries, as I did not seek credit with XXXX. Nor is this a waiver of my right to dispute these inquiries pursuant to and as allowed by 15 U.S.C. 1681 ( The Fair Debt Collection Practices Act ). 

I recently received a copy of my Equifax credit report. The credit report includes these unauthorized/unlawful credit inquiries by XXXX. I understand that, pursuant to 15 U.S.C. 1681b ( c ) governing transactions that are not initiated by consumer, XXXX and Equifax, as the credit reporting agency, are prohibited from placing an inquiry on my credit file unless I have authorized it. As I absolutely have not authorized anyone at XXXX to review my credit file, please ensure XXXX and Equifax remove these offending inquiries from my credit file/report as they are damaging my credit rating and hindering my ability to establish credit. 

I have attempted to resolve this matter directly with XXXX and Equifax to no avail. Therefore, I am contacting you, as the designated federal agency to assist consumers/victims of such Violations, to investigate and finally resolve this matter so that my credit file/report is accurate. 

I thank you for your sincere consideration of this matter, and look forward to your assistance and a prompt resolution of this matter. 

Kindest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX XX/XX/XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX XX/XX/XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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:
I'm very frustrated because I reached out to you all in XXXX of this year about things on my credit that I know nothing about. I'm really trying to help my brother who now has a new born baby get a new car. I have reached out to the FTC and my police here. You guys did get some thing resolved but there are still a few items on there that is not mine XXXX Bank, XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX and XXXX I disputed charges on my card from a business that was overcharging me based on the contract in place. They denied my claim despite evidence submitted by the business that clearly did not even match what they had charged me in total. They did not request further evidence from me despite. They just told me there was nothing more I could do. 

I was charged a total of {$1900.00} by this business from 6 charges on XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XX/XX/28. My contract total should have been {$1300.00} of which I have proof. They are not resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: CURO Intermediate Holdings
State: DE

Complaint narrative:
I was an identity theft victim. As a result, there are unauthorized hard inquiries on my credit accounts. I have disputed them multiple times, but am always told that I need to contact the reporter. I have contacted the reporter multiple times. I have sent certified letters, made phone calls, and sent e-mails. The first certified letter was received by the creditor on XX/XX/2019. The hard inquiry still exists on my account. The creditor is SpeedyCash, which is a subsidiary of XXXX XXXX, XXXX. SpeedyCash has assured me, multiple times, that the accounts were fraudulent and that they will remove the inquiries from my credit reports. I sent FTC reports, police reports, and multiple documents proving this was a fraudulent inquiry, but it remains.

Company response to consumer: Closed with explanation