vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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: HI

Complaint narrative:
I call Experian many times, sent many letters to remove/ delete XXXX XXXX account

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 2020-05-04 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: OH

Complaint narrative:
On XX/XX/XXXX, I logged in the Experian Credit report website where I pay for ongoing monitoring, and discovered that the Credit Bureau has changed my algorithms ( e.g. credit score ) decreased by 8 points after paying off my lease and the Credit Bureau also changed my address to XXXX XXXX XXXX and attached delinquent and/or deragotory information ( e.g. XXXX XXXX  in my neighborhood ) and used the comparable demographics to this area to commit the social injustice of decreasing my credit score associated with such neighborhood in the data sets. 

No other information was provided to support such a decrease in the scoring information. Moreover, I have had a legislative security freeze since XXXX and it has been recently updated ( XX/XX/XXXX ) because Experian removed my contact phone number in the alert to XXXX and removed the phone number of record so that I could not be extended credit. On XX/XX/XXXX the phone number was added. 

I live in the City of XXXX and have been here a while. Experian is also reporting to Auto lenders that I have derogatory credit and missed payments in which is not true all prior debt was discharged in a bankruptcy on a schedule XXXX. I have 6 years and 1 month of on time payments. Experian has not update many of my accounts with paid amounts in over 60 days. 

Experian, also added comments to my accounts ( student loans ) as deferred due to pandemic. When I did not make this request. It is deferred because I am still enrolled in school. 
Such comment and accuracy should be clear and concise. I would like to have this resolved and my score to be update with the correct demographics and to be treated with equality. 
I am suffering hardship from poor accountability for agency such as Experian. Congressional reports and research is available to warrant my claim along with copies of the unwarranted decreases.

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 2020-05-04 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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX {$5100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: NC

Complaint narrative:
I had a negative account listed on my Transunion Credit Report on XXXX for the amount of {$340.00}. I disputed it because it was not my account. And, I had disputed it previously with Transunion on XXXX and they had removed it on XXXX. However, on XXXX, Transunion reported that their investigation this time had resulted in the negative account staying on my report. 
I contacted the collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX, on XXXX by phone. They asked me if I had ever lived in Georgia, which I haven't. I informed them that I had never received any bills from XXXX XXXX, nor from their collection agency. They told me that the billing address associated with this adverse account was located in XXXX XXXX, Georgia. I gave her my address which is in North Carolina. She informed me that they had indeed made a mistake and it should not have been on my credit report and that they would have to investigate the other guy who had the same name as mine, for possible fraud. 

The adverse account is still listed on my credit report as of today, 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 2020-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I bought from XXXX some face masks. Paid thru Paypal amount of {$42.00}. 
The seller ( I'm assuming ) is from XXXX. They have long since went past the due date for shipment. I filed a complaint with XXXX and Paypal. XXXX started to act on the complaint but closed the case because they saw I made a claim against Paypal also. Don't know why that matters or who I should have filed with first. 
Pay pal has done nothing to help. The seller comes back with XXXX saying they are overloaded because of the flu.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 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: AZ

Complaint narrative:
THERE ARE ACCOUNTS ON MY CREDIT THAT ARE NOT MINE, I HAVE SENT XXXX+ LETTERS TO THE BUREAUS TRYING TO GET THEM REMOVED WITH VERY LITTLE LUCK. THESE ARE THE ACCOUNTS THAT NEED TO BE BLOCKED UNDER 605B OF FCRA. 


XXXX XXXX XXXX., XXXX XXXX XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX., XXXX XXXX XXXX!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AZ

Complaint narrative:
THERE ARE ACCOUNTS ON MY CREDIT THAT ARE NOT MINE, I HAVE SENT 5+ LETTERS TO THE BUREAUS TRYING TO GET THEM REMOVED WITH VERY LITTLE LUCK. THESE ARE THE ACCOUNTS THAT NEED TO BE BLOCKED UNDER 605B OF FCRA. 


XXXX XXXX XXXX., XXXX  XXXX XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX  XXXX., DEPT OF ED/XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX., XXXX XXXX XXXX!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: HI

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had stopped using this XXXX XXXX  XXXX account completely. The only reason I have kept it is because it is one of my older accounts. I thought I had removed the autopay for the car insurance which is usually paid bi-annually from this card. I never received any correspondence that this account was in jeopardy. I was however, receiving numerous SPAM calls from representatives claiming to be from XXXX XXXX XXXX. There was a clear language barrier from the people making these calls so I am not sure from where the calls were coming from. I didnt think there was any reason for concern so I didnt follow up with XXXX XXXX XXXX to inquire as to whether my credit card account was in jeopardy. I did not know there was a late reporting on this card until I obtained a recent copy of my credit report. I tried contacting XXXX XXXX  XXXX to explain the circumstances of the situation but I was never able to reach a supervisor to assist me. At the time this card was opened my credit limit was {$15000.00} and was then reduced to {$500.00}. I thought this was suspicious as well. I have tried numerous times and have asked XXXX  XXXX XXXX to remove this late since clearly it is reporting in error however, I have not been successful. This false reporting of a late 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 but 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 2020-05-04 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: HI

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had stopped using this XXXX XXXX  XXXX account completely. The only reason I have kept it is because it is one of my older accounts. I thought I had removed the autopay for the car insurance which is usually paid bi-annually from this card. I never received any correspondence that this account was in jeopardy. I was however, receiving numerous SPAM calls from representatives claiming to be from XXXX  XXXX XXXX. There was a clear language barrier from the people making these calls so I am not sure from where the calls were coming from. I didnt think there was any reason for concern so I didnt follow up with XXXX XXXX XXXX to inquire as to whether my credit card account was in jeopardy. I did not know there was a late reporting on this card until I obtained a recent copy of my credit report. I tried contacting XXXX XXXX  XXXX to explain the circumstances of the situation but I was never able to reach a supervisor to assist me. At the time this card was opened my credit limit was {$15000.00} and was then reduced to {$500.00}. I thought this was suspicious as well. I have tried numerous times and have asked XXXX XXXX XXXX to remove this late since clearly it is reporting in error however, I have not been successful. This false reporting of a late 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 but 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 2020-05-04 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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} BANKRUPTCY CHAPTER XXXX 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 2020-05-04 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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX {$5100.00} BANKRUPTCY CHAPTER XXXX 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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$3800.00} XXXX  XXXX {$840.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
CapitalOne restricted my savings and checking account in XX/XX/XXXX due to some bogus claim from a wire I received to my account ... : .the sender of the wire claim it was sent under fraudulent pretenses which she could not prove and she never followed up with her bank to get her wire recalled. In XX/XX/XXXX, Cap one closed the case, but did not release my account until I called to check on it which was in XX/XX/XXXX. 


They released the savings acct, which was the account with the incoming wire, but still holding my checking account ( granted, my checking never had any incoming wire, but outgoing wires ) claiming they they are waiting for the banks to recall the funds. Banks dont recall wires unless its requested by the banks customer /sender of the wire. 
Capital one customer service reps refused to tell me what specific banks and what specific wires that they are waiting to be recalled and refuse to tell me if any of these banks if initiated this process XX/XX/XXXX, I had my attorney to send Capital one a demand letter requesting that they release my account, we never got a response from Capital one, so I did a little researched and found the email address for XXXX XXXX, the banks president and emailed a copy of that letter to his email address ... .about a week later I received a email response from someone name XXXX with the usual excuse that they are ending their banking relationship with me ( as if I care ) and waiting for the funds in my account to be recalled by the banks that dont excuse ... .unless of course they are referring to the account of the banks of the individuals that I remitted wires to. Throughout this entire process, even after the wire sender never followed up to get her wire recalled and the money was never sent back to her bank, cap one has never given me the benefit of the doubt ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient raised my payment to $ 300+ a month because I got a pay raise. I asked if they could recalculate it and they told me that I would have to submit additional pay stubs. Which would only result in the same payment or even higher. Then when I asked what my other options were they said I could put it in forbearance and that was my only other option. Which means Im going to end up owing a lot more due to the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I opened an savings account with credit karma. On XX/XX/XXXX I transferred XXXX dollars then again on XX/XX/XXXX I deposited XXXX dollars then another XXXX dollars. The money came out of my main account and the balance also reflected on my savings account, but when I went to withdraw money it told me that I could only withdraw XXXX  cents. I contacted credit karma through online chat because they dont have a phone number for customer service and they told me I need to contact my bank for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX  XXXX {$3800.00} XXXX XXXX {$840.00} XXXX XXXX {$510.00} XXXX XXXX  XXXX {$22000.00} XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX 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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$3800.00} XXXX  XXXX {$840.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX 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 2020-05-04 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: TX

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. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late 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 2020-05-04 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: The CBE Group, Inc.
State: VA

Complaint narrative:
XXXX of 2020 on my credit report I discovered 2 collections each for approximately 800.00. I called and discovered someone in Ohio used my information to obtain cable services. I discovered his mane and the town in Ohio. I contacted the first company and the collection was removed easily. The next company would not speak to me because I was not the name on the original order even though it was all my info.

Company response to consumer: Closed with explanation