vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I bought 3 cars in the past months and the dealers Were running credit checks without my authorization. Calling Bank after the bank after bank hit after hit after hit. They destroyed my life. Theres over 60 hits

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 2020-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I refinanced my XXXX XXXX XXXX with PenFed Credit Union and they are not managing the loan. First they force placed insurance after i and my agent sent them proof of insurance since the beginning of the loan. Then they just now increased my interest rate to 14.00 % as they say they are not the leinholder on the title. I took all the paperwork to the DMV and they said Pen Fed has to perfect the lien with the state, not I. I gave this info to Pen fed and then the response was this letter. They have increased my payment XXXX a month. I need you to get involved please.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Freedom debt relief sent an unsolicited email. In the bottom, the unsubscribe now footer as needed under cupboards guidelines was there, but was a jpeg that opened a new browser that sent me to their site, but no email removal is visible. The only option is to go to contact us and chose generic email addresses and send one to ask to be removed. 

I have done this several times in the past, and still am receiving these unsolicited emails I also did not request anything from a XXXX  account which is fraudulent and wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
**NOTE** THIS IS NOT A DUPLICATE COMPLAINT. SEE REQUESTED ATTACHMENTS. 


Problems with credit reporting due to unverified, inaccurate, misleading information on 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 2020-08-14 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: GA

Complaint narrative:
i sent a dispute letter XX/XX/2020 with no response yet

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 2020-08-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Complaint regarding XXXX XXXX and Equifax : On approximately XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX stating that as of XX/XX/XXXX my mortgage loan will be transferred and serviced by XXXX XXXX  XXXX. My loan was sold to XXXX XXXX  XXXX and was reported on XX/XX/XXXX to the above credit bureaus as, " Account closed and paid. Account transferred. Remark added. " I constantly keep track of both my credit scores and credit reports and noticed that on XX/XX/XXXX my scores had dropped by 16 and 15 points respectively. I first contacted XXXX XXXX and inquired about what the " remarks '' were as indicated on my report. They told me they did not know and to contact the two credit reporting co. 's. I contacted them by phone on XX/XX/XXXX. I spoke to 2 individuals at XXXX XXXX and 1 individual at Equifax. Equifax did not have an answer and told me to contact my Mortgage Co.. XXXX XXXX told me it was because of, " the length of time of the account ''. I have been paying this particular mortgage for 2 years and 8 months and as indicated on both co. 's. credit reports my credit is perfect with them as is all my other creditors. My credit scores are consistently in the 700 - 800 range for many years and i work hard to maintain that. I went online to Equifax and XXXX XXXX website and filed a dispute but the problem I have with both is that there system will not let me be specific in my complaint and will not allow me to type a complete description of the issue. 
My credit scores were lowered because of no fault of my own. In fact in theory my credit score should have went up. An account that was in excellent standing and was closed and paid in full by my creditor as was their choice and is not at this time being shown that it has been replaced with a new lender on a new account is a plus in credit and credit score calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I reported the theft of my identity to both the Police and Federal Trade Commission

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: GA

Complaint narrative:
XX/XX/2020 i sent off a dispute letter and still havent recieved a response

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I bought 3 cars in the past months and the dealers Were running credit checks without my authorization. Calling Bank after the bank after bank hit after hit after hit. They destroyed my life. Theres over 60 hits

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I got a loan with UpStart, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all 3 credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called Upstart 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I contacted transunion on XX/XX/XXXX. I had a 71 point drop out of nowhere. I have a very healthy credit profile. XXXX XXXX notified me that a recent account was closed, with no information on what that account was. I contacted Transunion and asked them what happend. I went through algorithmic discussions and the awesome credit profile that I had built. My unlilization was low.My accounts were never late. I have a great profile. I asked why my score tanked from XXXX to XXXX with no indication why. I talked to three different people. I talked to management also. Absolutely no one could answer my questions. I kept getting stonewalled. I picked my credit profile apart piece by piece. I asked what negative factor caused such a drastic change. The had no idea why, with no resolution in sight. I told them I was going to file a complaint. I felt like this is fraudulent reporting. I never had any account closed and nothing reporting on my credit. My credit has suffered with no reason made known to me.I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriCollect
State: WI

Complaint narrative:
I sent a letter to AmeriCollect at the beginning of XXXX stating that I need proof that I've released authorization for medical documentation to be released to the credit agencies. This letter that I sent was dated : XXXX regarding debt that is being reported as mine on my credit report. All of the debt that they are reporting is supposed to be from medical debt. Their follow up response was to send me itemized statements of medical bills. This is concerning on many levels. I feel as though they've breached my HIPPA rights and unfortunately, they've potentially exposed medical information to anyone who has access to my CBR. I sent a follow up letter On XXXX and no follow up has been made to resolve obtaining proof and consent that my authorization was given to release medical information to any 3rd parties - including the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
On the morning of XX/XX/2020, I logged into my XXXX XXXX checking account to check my balance and my online transaction history. There was a " pending '' charge that I didn't recognize : a debit of {$100.00}, listed under " MONEYGRAM US, XXXX, TX, US. '' This was suspicious for a number of reasons. First and foremost, I *never* use MONEYGRAM, and I certainly didn't authorize the transaction. Secondly, the posting time of the transfer was listed as XXXXXXXX XXXX.a time when I was in bed. And thirdly, there was an email in my in-box, sent at XXXX XXXX the same day, welcoming me as a new member to something called MoneyGram XXXXXXXX XXXX.  I assume MoneyGram had signed me up for some loyalty program without my consent and was charging me for the service. 

So I called MoneyGram. I was on hold for 60 minutes. I spoke to two different customer support specialists. Neither had any explanation for the charge, nor of the email. They told me that I had no account with MoneyGram at all. So they " escalated '' the complaint to a manager. The manager who I spoke to was incredibly rude. He said that, since I did not have a " reference number '' for the transactionwhich again, I never authorizedthat there was no way he could investigate what happened. He flat-out simply refused to help. I asked if he was saying the transaction was a scam, and he would not answer. He ultimately hung up on me. 

I called my bank, hoping to dispute the transaction. XXXX XXXX  told me that this was very worrisome, as the fraudulent charge was an ACH transfermeaning the scammer somehow had my routing and account number. XXXX also told me that MoneyGram should have been able to track down the transaction, using the routing and account numbers from the checking account. Clearly, the MoneyGram manager had a solution at his disposal and simply refused to help. 

Long story short, I had to place a " freeze '' on my checking account while I wait for this fraudulent pending charge to post. At this point, the bank says, I can officially contest the charge. My bank was shocked that MoneyGram could shed no light on this situation. 

I suspect MoneyGram is at fault here. As they are implicated in so many scams, it's shameful that they do not have a customer service protocol for helping victims. 

I need MoneyGram to refund this fraudulent transfer of {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Consumer USA reported a charge off of my loan to the credit bureaus stating that the car was affected by a natural disaster. This is not the case, the car is in great condition, now i have a charge off showing on my account. I have tried to work with Santander to understand how we can fix this but have been unable to get this resolved after numerous email, phone calls, and letters.

Company response to consumer: Closed with explanation