vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am making you aware of this because current law does not provide for egregious and damaging score reporting unsupported by statistical evidence. A years -long perfect credit history recently was marred by a mistake by an ex spouse still with an open shared account for which she is responsible. 

The resulting delinquency resulted in a FICO drop of over 100 points. There can not possibly be any statistical or actuarial evidence that this represents actual credit risk. 

I intend to file against the credit reporting companies regarding this if it's not corrected, and want you to note this is an XXXX. 
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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 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Years ago, I experienced damage to my home, filed an insurance claim, did the repairs and never received the insurance check from XXXX to reimburse my expenses. Turns out the {$31000.00} check was sent directly to an attorney affiliated with Select Portfolio Servicing, XXXX XXXX, and not to me. Efforts to receive my funds back have gone ignored for years upon years now. I would like these funds returned now please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
the amount of {$710.00} by Bank of America. After I called to close this account but I don't know how this account being overdraft like this. And I officially in debt. Please help 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 2021-09-04 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: SC

Complaint narrative:
I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. 
Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.

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 2021-09-04 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: SC

Complaint narrative:
I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. 
Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: SC

Complaint narrative:
I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive 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 2021-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I got theirs response as always out of the facts they send me the same all the time XXXX I got i loan modification I paid a lawyer I paid at the time {$12000.00} in the new money they called and I was supposed to start new but shellpoint morgage servicing his partner in crimes XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX the again changed for lawyer fees court fees and any kind of fees then in XXXX again when shellpoint took over they came telling me they will foreclosure my house couse I owed them over XXXX in in their response they said they don't know what happens before but they know I owed over XXXX they even claimed my wife was on the contract in the mortgage and she did bankruptcy on even before I got my loan modification well that's what they say I don't know why o the purpose of it. XXXX  XXXX XXXX is well-known for his corrupted way to make money like countrywide and shellpoint but they keep charging for money fees they make it up that's why in their response shellpoint morgage servicing send paperwork from before XXXX and they can't tell where is the money i owed this corruption at it's best

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: U.S. BANCORP
State: GA

Complaint narrative:
I contacted US Bank about fraud on my credit card. US Bank stated that I wouldnt be responsible for any of the charges. I filled out paperwork for fraudulently charges and filed a fraud report. US Bank closed the card and removed the charges. US Bank closed the account and sent me a check {$6100.00}. I didnt authorize anyone to make any charges on my account. US Bank have now put the charges on my credit report. This is fraud. How can they put something on my credit report I didnt authorize? Im not responsible for fraud. I want US Bank to remove and clear all negative and derogatory reporting on my 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 monetary relief
Consumer complaint received 2021-09-04 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: SC

Complaint narrative:
I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. 
Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.

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 2021-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I can not open new account because of the amount of {$710.00}. before that I already called them and closing this account but all of the sudden this account went on overdrafting then leading me to to get an auto debt.Please help 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 2021-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Mercedes Benz Financial on this XX/XX/2021. I used my credit card as defined under 15 USC 1605. Mercedes Benz Financial then took my credit card and got a loan and began to violate 15 USC 1692 ( e ) because they falsely represented our contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion employee informed me to send in a letter of all unauthorized inquiries and they will be removed without any issues. I send in the letter like requested and waited 30 days for a response. I called up to transunion and was told I would have to investigate myself pretty much and theres nothing they can do about it. They did not contact me, they lied to me and now telling me one thing and doing another. This is horrible and they make it hard for innocent people like me to get unauthorized inquiries they agreed over the phone to take off but never did removed. Management nor workers are trying to cooperate with cfpb law to contact consumers before 30 days and giving the runaround and listing unauthorized inquiries on peoples credit reports

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 2021-09-04 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Business : TD Bank Law Violations : 1. FBRA violation, TD Bank reported a debt from XXXX XXXX  to the major credit bureaus for a product that was never shipped, and never received by the customer. 
2. Billing customer for the order, and Unwilling to file a claim for the client to remove the charge when requested ovdr the phone. 
3. Use of dismisive language, unwillingness to help client even after client offered XXXX  solutions XXXX as picking up the item from a retailer. 
4. Use of dismisive belitteling language with the customer.Unwillingness to correct the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction withWells Fargo on XX/XX/2015. The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. Fact, please show good faith in this matter by expediting the securing of alleged information listed on your site in order to avoid me receiving, further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, Affiant is aware and has proof in attachment labelled as Exhibit A & B that Wells Fargo is in violation of 15 usc 1692 ( b ) ( 2 ) They are now civilly and criminally liable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I would like to have this fraudulent account removed immediately from my report. Someone opened this account in my name which I was unaware of until recently when I attempted to check my credit for other reasons. This is an unauthorized account ( XXXX ). When I reached out to this company they asked me to provide identity documents for some man named Mr.XXXX who I don't even know. 
I have never heard of this person and there is no way for me to provide a social security card or ID for this man. This company has allowed someone to use my name and information to open an auto loan and I would like this account removed immediately it is affecting my credit report and leaving me in a period of stagnancy with my life and financial goals. 

ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2020 Loan AMOUNT {$18000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: FL

Complaint narrative:
There was no sub category listed for this complaint so this may be in the wrong category. My complaint is against Transunion. I had a fraudulent debt with XXXX XXXX XXXX that was being reported on my Transunion credit report. Transunion knew the debt was fraudulent but still allowed it to be reported. They were sued and had to pay XXXX XXXX dollars a few years ago for doing this same thing to someone else. Transunion finally removed this fraudulent debt from my credit report. Before Transunion removed this fraudulent debt my credit score was XXXX after they removed it my credit score increased by 2 points. I had a collections account removed from my credit report for the amount of {$800.00} and my credit score only increased by 2 points not likely. Transunion is keeping my credit score low deliberately to retaliate against me for exposing their fraudulent and illegal behavior. Transunion is aiding and abetting in a crime. I reported this crime to the Illinois state Attorney Generals Office and now Transunion is retaliating. In Florida where I live a debt collector has to be licensed in the state of Florida in order to collect a debt in Florida. If they are not licensed and try to collect the debt then its a crime that the Florida Attorney Generals office has authority to pursue legal action against the company rather they are located in Florid or not. Transunion is allowing XXXX XXXX XXXX XXXX to commit a crime and use Transunions platform to further this crime. XXXX XXXX XXXX XXXX is not a licensed consumer debt collector in the state of Florida and they are committing a crime by trying to collect a debt from me. Transunion is aware of this crime but still chooses to allow XXXX XXXX XXXX XXXX to use their ( Transunions ) platform to in furtherance of this crime. I reported this illegal activity to the Illinois Attorney Generals Office and now Transunion is retaliating against 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 2021-09-04 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: SC

Complaint narrative:
I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive 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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive 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 2021-09-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.

Company response to consumer: Closed with explanation