vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-07-21 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:
MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Constant phone calls from XXXX XXXX XXXX to collect a credit card debt claimed I owed fromXX/XX/XXXX. The company calls my phone constantly with different phone numbers, has also called wifes phone, XXXX brothers, parents, sister in laws phone, and workplace I left in XX/XX/XXXX. This company claims to be collecting for different accounts, a computer called HSBC and another called partner weekly. I have answered and asked this company to remove my number and name and do not call me or family members. They continue to call and aggressively tell me if I do not pay over {$3000.00} a civil suite has been filed and they will take me to court. I have reported this company multiple times and they continue to call. The company tells me they are located in my home town, but there is no record of this company near me. They also call from cities that are near to me using fake numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Another week goes by and this atrocious company National Credit Adjusters has not removed this erroneous collection on my credit profile. They have yet to provide any real verification. I've sent numerous letters to this company with no replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Although I have submitted thorough documentation listing all the fraudulent activity that happened on my card along with a police report Way2Go card services has denied my claim. I believe this claim has been wrongfully denied I do not believe Way2Go did a thorough job in investigating my claim. There are mistakes that happened throughout my fraud claim by Way2Go such as they pulled back funds from a transaction that I told them over a monitored and recorded call yes I did authorize for my electric company. As well that transaction was nowhere listed on my thorough fraud claim so Way2Go wrongfully and negligently pulled back those funds causing me to accrue an overdraft fee of XXXX $ with my electric company. As well I am now being threatened by that electric company to have my services shut off if I cant pay the money back. Once I reported the mistake they made to my card company there was never any follow up no resolution for the mistake they made in handling my claim. I understand government related card issuers who handle unemployment for the state of Georgia is overwhelmed with all the millions of claims Im sure they are receiving due to this COVID-19, however that gives this card company no right to hand my dispute this way when I have done everything they asked of me in filing this fraud claim. I believe I am rightfully owed all the funds stolen from me through the fraud claim I submitted. There were over 12 fraud transactions made and even with all my documentation and police report this card company is denying my claim. I do not have the actual fraud form I completed and faxed to Way2Go card services but I can hand write out another document listing all the fraudulent transactions from my bank statement. If those documents are needed please let me know and I will submit it. Im sure a copy of that document is with Fraud Services with Way2Go card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I 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 2020-07-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

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 a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX  XXXX 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 2020-07-21 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:
Theses company would not remove the following accounts from my credit profile. Theses accounts are not mines and need to be removed ASAP! 
-US DEPT OF ED/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF )

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 2020-07-21 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-07-21 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, PLEASE SEE THE ATTACHED ITMES I HAVE BEEN SENDING TO THE CREDITORS AND TO THE BUREAUS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER AUTHORIZED ANY OF THE CHARGES. 

MY PROBLEM IS NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, BUT NOW I AM TRYING TO PROOF THAT THESE ACCOUNTS ARE NOT MINE. I HAVE BEEN PROVIDING MY IDENTITY THEFT REPORT ALONG WITH THE POLICE REPORT, I AM NOT SURE WHAT ELESE TO SEND THEM, I KEEP CALLING THE CREDIT COMPANIES I SENT THE DOCUMENTS THEY NEED TO REMOVE THE ACCOUNTS, AND ITS BEEN OVER A MONTH THE ACCOUNTS ARE STILL ON MY CREDIT REPORT. THE SME DOCUMENTS I SENT TO THE BUREAUS AND THEY NEVER SENT IT TO THE CREDITORS. 

I DONT KNOW WHAT ELSE TO SEND THEM I AM SENDING MY IDENTITY THEFT REPORT AND THE POLICE REPORT. THE ACCOUNTS ARE NOT MINE, THE CHARGES ARE NOT MINE. 

I KNOW THIS IS MY PROBLEM BUT I AM A CONSUMER AND I NEED PEOPLE TO CARE.

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 2020-07-21 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: CITIBANK, N.A.
State: ME

Complaint narrative:
On XX/XX/2020 I was charged {$200.00}. I did not agree to charge. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, my current mortgage company, Mr. Cooper stopped reporting my payment history to the credit bureaus. I have made multiple attempts to get the information corrected and on my call today, XX/XX/XXXX, my mortgage company advised the reason they discontinued reporting to the credit agencies is my co-borrower had a bankruptcy in his history and they were not allowed to report to the credit agencies. My co-borrower 's bankruptcy was discharged over 10 years ago, prior to my servicing being transferred to my current mortgagor. My mortgage payment history was reported to the credit bureaus from XX/XX/XXXX until XX/XX/XXXX, during and after the discharge of my co-borrower 's bankruptcy. I advised that I am not a party of the bankruptcy and have no other joint debt obligations with my co-borrower who is my sibling. My mortgage company advised me the only way to get the mortgage payment history reported to the credit bureaus is to either refinance or have my co-borrower reaffirm the debt with the bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello my dear, sir and madam. In XXXX of XXXX. There was a huge amount of fraudulent transactions on my checking account. Before the fraudulent case my checking account had {$820.00}. I had a overdraft account with them that I only used for emergency purposes and a few credit cards that was all in good standing. I was calling Santander bank multiple times and they did nothing. I even sent them emails but got no response. I was so busy with work that I couldnt go to the branch but I finally when on XXXX of XXXX. When I went there they made a fraud case investigation. The bank also transferred money from my overdraft account to my checking account to support the fraudulent transaction and never gave me a reason why they did it. They transfer {$1400.00} without my permission. They told me that my checking account was no good and they had to close the account and I had to pay {$690.00} then they would finalize the case investigations. Then I made a new checking account and I was still working. All the money I made was being direct deposited into my new checking account. After 2 months of the case investigation, I got a mail from Santander bank saying that they couldnt accept the case investigation claims because the fraudulent transactions happened more then 60 days. They took so long to resolve the case that they denied it and blamed it on me. On my new checking account I was saving money so I can pay back my creditors. Due to the fraudulent transactions that happened on my checking account, I couldnt pay to the creditors. After a few months of working I saved up {$1100.00} and starting to pay back my creditors. The bank didnt give that money to the creditors. They took that money that I paid, they didnt return it back to me and charged me {$35.00} for every payment I made to my creditors. While I was saving up money I was also paying off the overdraft and I paid {$800.00} to the overdraft account. Then they closed my second account and took all my money. They gave me no explanation as to why they closed my account. Ive trust this bank for so many years and they ruined my trust, credit, and my life. I really need help with this bank. Please do as much as you can to help. Thank you and have a great day.

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 2020-07-21 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion 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 2020-07-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion 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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-07-21 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:
Theses company would not remove the following accounts from my credit profile. Theses accounts are not mines and need to be removed ASAP! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF )

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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Effective XX/XX/2020 I was alerted by Experian that my credit score decreased and to review my report. The Experian credit report showing for XX/XX/XXXX. The creditor XXXX is reporting my credit card detail information incorrectly. My next monthly payment is not due to XX/XX/XXXX and I always pay my monthly payment the start of the month. I have receipts to prove, I never discard my receipts for this creditor and I alway review my account transactions using the customer portal. The creditor has reported me as having two late payments back in XXXX and XXXX which is not true. Also, the creditor has not reported to the credit agencies the current payment for XXXX. I have not been late with my payments, my account is current and not only that I have receipts to show where I send money order payments throughout the month per month. Maybe this creditor has been paid a gift behind the scenes from XXXX because I submitted another complaint because of intentional false reporting information to the credit agencies. I can mail in proof of my transactions to the CFPB along with receipts. No only I would like to file a complaint. I would like to file a law suit to because it is very unethical for creditors to report inaccurate information on a consumers credit report. That is very wrong and that's why I am reaching out because my Rights is being violated.

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