vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items 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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Two charges were made to my account. None were authorized by me. Contacted multiple times to different departments and the bank. Nothing was done. Slap in the face. Im not paying for something I never bought or received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express is not crediting my account or finding electronic payments from my bank for the full payoff amount. My bank verified sending electronic payments of {$760.00} and {$120.00} to cover principal and interest on XX/XX/2020 but American Express has no record of it. In the past Amex has acknowledged payments the day they are received but for some reason they cant do it now. I am worried they will lose the payment or fail to acknowledge it so they can continue billing me interest. Spoke with XXXX a supervisor with Amex on XX/XX/2020 at around XXXX XXXX  XXXX ( also the complaint number ) about the missing {$760.00} and {$120.00} payments. She advised me they have no record of the payments and put in a complaint for investigation with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I 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.

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I originated an auto loan with Santander in XX/XX/XXXX. I started to have difficulty with the loan and placed it under a payment arrangement. To my surprise, the vehicle was repossessed on XX/XX/XXXX while under a payment arrangement. I did speak with the representative and asked, her reply was 'that doesn't mean anything '. I attempted to pay the entire delinquent balance even after repossession to regain the vehicle and was denied. 
I learned this month that Santander settled in a class action suit, admitting to initiating thousands of sub prime loans which violating protection laws. The notification stated, 'Santander will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed ... ' I find it convenient that thousands of us had our vehicle repossessed prior to the XXXX XXXX, XXXX date to eliminate our sub prime loans from the Santander settlement, although we do have sup prime ( and therefore illegal loans ). So we now owe the company a deficiency balance for a fraudulent loan, in spite of them admitting the loans were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I 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. XXXX {$650.00} XXXX {$3500.00} XXXX {$4000.00} XXXX {$1900.00} XXXX {$450.00} XXXX {$650.00} XXXX {$6000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from 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 explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Response to Complaint ID : XXXX Again I have to make clear that Portfolio has not provided proper validation OR verification in their claim towards me. I dont know what definition of verification PRA is using regarding verification but XXXX XXXX XXXX defines verification as confirmation by oath or affirmation. That has not been produced yet. All the verification they keep flooding me with are a hearsay copy of a bill and a supposed bill of sale. There is no documentation as to how they arrived at the amount they claim gives them the right to access my information. This company has been in continued and willful violation of the law for false or misleading representations, 1692g of the Fair Debt Collection Practices Act for perpetually furnishing their derogatory information towards me without providing this documentary proof and basing their proof of a claim on generic hearsay papers. 
Portfolio, in their response, says they purchased the contracts on these alleged accounts yet continue to fail to provide such contracts or demonstrate where I have signed them, again demonstrating their willingness to flaunt 1692g of the FDCPA and engage in false or misleading representations. If they have business records provided by alleged original creditors showing dates of these accounts being open and are using this to base the foundation of their claims to acquire a permissible purpose to access and report on my credit files, why do they continue to refuse to demonstrate these business records? Where are the affidavits verifying these business records? Otherwise all that is based on hearsay and as has been demonstrated in the CFPBs own consent order against PRA, PRA obtains their documentation in an AS IS basis off of XXXX spreadsheets, not a manner to prove a factual case on. 
The 2004 US District Court for Arizona case, Boatley Vs. Diem makes clear that credit reporting is a form of debt collection and as PRA continues to report without demonstrating a provable basis for their claim on a level higher than hearsay, they must cease reporting and lose my personal information or provide all this information. Anything other than this step proves the lie in their statement that they take compliance with all federal laws seriously and demonstrates a willingness to engage in wire fraud AND mail fraud as well as a total disregard for 1692 of Title 15 of the US code, that deals with consumer protections from having their rights violated by third party actors. Their assertion in saying that we believe that the validation provided resolves the disputes is wrong. It is not their belief that facts and verification is based up. Its not important what PRA BELIEVES, but what they can verifiably PROVE. I expect to see the removal of these items and receive a statement from Portfolio confirming that they are deleting their record of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I 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. XXXX {$650.00} XXXX {$3500.00} XXXX {$4000.00} XXXX {$1900.00} XXXX {$450.00} XXXX {$650.00} XXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from 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 explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to cosign for my cousin, 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. 
XXXX {$610.00} XXXX {$620.00} CB XXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: TX

Complaint narrative:
Hello, I am XXXX XXXX. After serving in the military for 7 years, I am ready to finally buy a home. I am working with a veteran  organization here in Texas to improve my credit score so that I can be my best when getting approved for a home loan. I am running into a problem with the company LJRoss/XXXX. The company is on all three of my credit reports showing a XXXX balance. This entry has been on my report for over 9 years. 

I have called and spoke to several people and even waited a month for them to take action. The entry still remails on my reports. Can someone help get this removed and or tell me how I can get through to them to have it removed, it would be greatly appreciated. 

If you would like to contact me, my e-mail address is XXXX Thank you for taking the time to look into this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: GA

Complaint narrative:
I went to buy a jet  ski  for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report. ChapterXXXXBankruptcyDismissedXXXX

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to cosign for my cousin, 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. 
XXXX {$610.00} XXXX {$620.00} XXXX XXXXXXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to cosign for my cousin, 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. 
XXXX {$610.00} XXXX {$620.00} XXXX  XXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
US bank locked my mortgage rate at 3.62 percent and took {$390.00} from me to start the application process. They never checked with me to make sure what type of property I was refinancing. Now they are saying its a condo and hence the locked rate is invalid and the rate will be higher. I dont want to refinance at a rate higher than what they locked in. It was their mistake to not check on this before commuting and now backing out. The loan officers name is XXXX. She locked in my interest rate with no hesitation and now is saying it wont work. I want my money back unless US Bank honors the locked in rate.

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 2020-06-05 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: GA

Complaint narrative:
I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report. ChapterXXXXBankruptcyDismissedXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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:
I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report. ChapterXXXXBankruptcyDismissedXXXX

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 2020-06-05 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: AL

Complaint narrative:
I was trying to cosign for my cousinhicle, 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. 
XXXX XXXX {$1700.00} XXXX {$17000.00} XXXX {$260.00} XXXX XXXX {$3300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: GA

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items 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 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
wanted to send money to my XXXX XXXX account for investing and it would not let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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