vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: AR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX 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 2020-07-02 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: AR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. 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 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 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

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 2020-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am writing to you today regarding the following account with Santander Bank : Account XXXX, opened date : XX/XX/2017, highest balance : {$13000.00}. 

My dispute is because they are reporting so many discrepancies across bureaus, they are being negligent and unfair, and they are also committing breach of contract. They have failed to process online payments. These are serious violations to the California Credit Reporting Act. 

My demand is to get the item off my report. This is affecting my credit, and is also affecting me psychologically. 

I have prepared all the documentation that Santander may need to investigate my case, so it gets easier for them, and they solve this matter as soon as possible. Please send the documents attached to them. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. 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 , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have started a dispute with Bank of America for an XXXX flight to XXXX on XX/XX/2020. XXXX   canceled my flight forcibly on XX/XX/2020, without offering a refund. I wanted a full refund of {$840.00}. Bank of America closed my complaint without informing me. I have to give them a call back just to find out that they reverse the credit they issued to me earlier, but this time I am no longer able to dispute because 2 months have passed. I have called them multiple times, they even gave me a wrong fax number at one time so I fax the XXXX email to a wrong number and then have to fax them again one more time to a different number. On XX/XX/2020, I called them to follow up on the fax, Bank of America said they only follow XXXX user agreement and according to XXXX, my flight is still available. I told them it is not available as I received an email for Flight cancellation. They told me they will review it again but I am pessimistic that they will side with XXXX and will not give me my money back.

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 monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Please help me. I don't know what to do anymore. I'm trying to buy a house and I can't close escrow because there is a collection on my credit report that isn't mine. The collection agency says its for a payday loan but I've never had a payday loan in my life. 

I've tried fighting this account already with the credit bureaus and the collector back in XXXX. Until now I haven't received any response from anybody. I've even hired someone to help me and he isn't receiving much help either. We've called and told the collection agency that I was going to lose my escrow and they don't care. We've told them this was fraud and they still don't do anything about it. The person helping me was even able to speak to the director of Operations for Midwest Recovery Systems and they still haven't done anything to fix this. XXXX XXXX was his name. 

I will send you a copy of the e-mail my representative sent to XXXX XXXX XXXX 's request and we haven't received a response to those either. No response when I sent a letter to ask for paperwork by Midwest Recovery Systems, no response to my letters to the credit bureaus, no responses to the e-mails to XXXX after XXXX asked for them himself ; no response of any kind from anyone has ever been received. 

I need your help in getting this removed from my credit report. My escrow was supposed to close today but by a MIRACLE we managed to extend this one more time for 15 more days. I don't want to lose my house because a collection agency is trying to collect an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I direct deposited some money onto my cashapp account. In order to send to family members who are affected by covid 19 and are struggling. They then wouldnt let me send money stating my account has been temporarily locked for 24 hours. I waited the next day and it said the same thing. The next day I tried to link my bank card to my cashapp to retrieve my money because my family are in need. And it wouldnt let me stating my account is temporarily locked for 24 hours. I then emailed them and no response. The next day I emailed them again to unlock my account and nothing. I then tried to go to the bank to pull out my money and it wouldnt let me. So basically my funds are sitting there frozen. I have family members who depend on me I dont have time for this. My account has been locked for three days. I emailed them 4 times and no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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:
I am filing this report because there are a few accounts on my credit report that do not belong to me. The only reason I found out is because I applied for a loan today XX/XX/20 and I was not approved so I started to look through my credit report trying to figure out why I was not approved and I found five accounts that aren't mine. The accounts are from these companies. XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor am I affiliated with them in any way. I did not benefit anything from the accounts that were opened in my name without my permission and I never made any payments towards those accounts. I am still trying to figure out who is responsible for these unauthorized accounts but in the meantime I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: SC

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. 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 , 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 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 2020-07-02 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: SC

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. 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 , 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 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 2020-07-02 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: FL

Complaint narrative:
I been previous disputing with Experian and XXXX  the following account XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX. These accounts have been paid in full and are old to be part on my credit report. Every time I dispute the account I receive an email or letter that the accounts was previous dispute but the don't fix the inaccurate information form my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On or about XX/XX/2020 I tried making a transfer from my cash app account to my XXXX XXXX. Cash app instantly locked my card for potential scam. I reached out to them several time and no one responded. I kept sending emails. Eventually they blocked my email address from emailing them. Then 2/3 days later they took all {$6600.00} out of my account and kicked me out of that same account forcing me to sign back to regain access of my money and account but I was only able to create a new name. They left me at a {$0.00} balance. And they still have refused to contact me back about how I can receive my money that was in my account. Please can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was contacted in late XX/XX/XXXX regarding an amount owed to XXXX XXXX  XXXX. It was explained to the collection agency that I was never on a lease or signed a lease at the complex. I had applied and was turned down. National credit systems Inc, XXXX XXXX  XXXX XXXX, XXXX Ga XXXX has placed {$1700.00} on all three of my credit reports. Information has been submitted showing that I was not affiliated with a lease at the said complex. The information has been disputed and it comes back " verified ''. The most recent dispute filed in XX/XX/XXXX came back as also " verified ''. I spoke with Mr. XXXX at the collection agency. A copy of the lease which does not include my name as the responsible part was sent in. Mr. XXXX stated that I was the guarantor. How can I be the guarantor of a lease if I was denied? I have requested for documentation that proves or states that I am the guarantor. Nothing has been provide and it has been almost a month since the information was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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:
These are not my accounts. Please remove them immediately as I am buying a home.

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 2020-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Please help me. I don't know what to do anymore. I'm trying to buy a house and I can't close escrow because there is a collection on my credit report that isn't mine. The collection agency says its for a payday loan but I've never had a payday loan in my life. 

I've tried fighting this account already with the credit bureaus and the collector back in XXXX. Until now I haven't received any response from anybody. I've even hired someone to help me and he isn't receiving much help either. We've called and told the collection agency that I was going to lose my escrow and they don't care. We've told them this was fraud and they still don't do anything about it. The person helping me was even able to speak to the director of Operations for XXXX XXXX XXXX and they still haven't done anything to fix this. XXXX XXXX was his name. 

I will send you a copy of the e-mail my representative sent to XXXX XXXX XXXX 's request and we haven't received a response to those either. No response when I sent a letter to ask for paperwork by XXXX XXXX XXXX, no response to my letters to the credit bureaus, no responses to the e-mails to XXXX after XXXX asked for them himself ; no response of any kind from anyone has ever been received. 

I need your help in getting this removed from my credit report. My escrow was supposed to close today but by a MIRACLE we managed to extend this one more time for 15 more days. I don't want to lose my house because a collection agency is trying to collect an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 filing this report because there are a few accounts on my credit report that do not belong to me. The only reason I found out is because I applied for a loan today XX/XX/20 and I was not approved so I started to look through my credit report trying to figure out why I was not approved and I found five accounts that aren't mine. The accounts are from these companies. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor am I affiliated with them in any way. I did not benefit anything from the accounts that were opened in my name without my permission and I never made any payments towards those accounts. I am still trying to figure out who is responsible for these unauthorized accounts but in the meantime I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 filing this report because there are a few accounts on my credit report that do not belong to me. The only reason I found out is because I applied for a loan today XX/XX/20 and I was not approved so I started to look through my credit report trying to figure out why I was not approved and I found five accounts that aren't mine. The accounts are from these companies. XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor am I affiliated with them in any way. I did not benefit anything from the accounts that were opened in my name without my permission and I never made any payments towards those accounts. I am still trying to figure out who is responsible for these unauthorized accounts but in the meantime I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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:
These are not my accounts. Please remove them immediately as I am buying a home.

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 2020-07-02 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:
These are not my accounts. Please remove them immediately as I am buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account ( medical ) was disputed and REMOVED on XX/XX/2020. 

XXXX XXXX XXXX  XXXX for {$49.00}. 

It has since reappeared on my credit report. This is illegal and not correct so I want this removed.

Company response to consumer: Closed with explanation