vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- TransUnion Fraud Victim Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  {$940.00} XXXX  {$1500.00} XXXX UNIVERSITY   {$730.00} XXXX/XXXX  {$11000.00} XXXX XXXX XXXX/DEPT {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX {$460.00} XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX {$780.00} XXXX XXXX {$780.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B

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 2020-04-10 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX  XXXX XXXX, TX XXXX -or- XXXX  Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  {$940.00} XXXX  {$1500.00} XXXX UNIVERSITY {$730.00} XXXX {$11000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX {$460.00} XXXX XXXX BANK XXXX {$0.00} XXXX XXXX {$780.00} XXXX XXXX  {$780.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B

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 2020-04-10 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: TN

Complaint narrative:
NEVER HAD A ACCOUNT WITH THIS BANK IT SHOWED UP ON MY CREDIT REPORT ITS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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:
I have been a victim of identity theft. There are accounts from XXXX XXXX and XXXX XXXX neither of which I have ever used or had in my life. There is also something for a XXXX company also never even heard of this company. Please assist me in getting this matter handled to the best of your ability thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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:
I have been a victim of identity theft. There are accounts from XXXX XXXX and XXXX XXXX neither of which I have ever used or had in my life. There is also something for a XXXX company also never even heard of this company. Please assist me in getting this matter handled to the best of your ability thank you so much in advance.

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 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I did not even have knowledge of this account until i started doing some research. But with hours of research it appears the account was overpaid. Also it has negatively affected my credit score very drastically. And it also appears that they accepted a payment after they already closed the account. Isnt that illegal? Please see the attached images i have sent for proof. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: AL

Complaint narrative:
I sent a letter to Transunion dated XX/XX/2020 by certified mail. Transunion received my letter XX/XX/2020. My letter was in reference to inaccurate personal information on my credit report. They did not have my correct address listed. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AL XXXX The employment information was reporting incorrectly. I work at XXXX. 
My name was also listed incorrectly and misspelled and I wanted all information corrected. 
The misspelling on the report is listed as : XXXX, XXXX, XXXX  ( with no space ) XXXX, XXXX, XXXX ( with no space ) XXXX, XXXX, XXXX  ( with no space ) As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.

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 2020-04-10 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander is the company and it began in 2011 and this should have been off my reports for a while and when I disputed them and reached out to Santander directly I was treated with rudeness and disrespect while trying to get the reports removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX {$600.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX {$600.00} Opened XX/XX/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 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/2020 I tried to fix this issue with TD Bank, but they did not do anything to help me. This company is reporting wrong information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. This is hugely affecting me emotionally. 

I am demanding the following item from my credit report : Target/TD bank acc # XXXX : Opened Date XX/XX/XXXX, XXXXClosed Date XX/XX/XXXX, XXXXLimit $ XXXX Bal {$0.00}. 

Please send the attached documents to TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, CFPB. I am writing because I need your help. 

Back onXX/XX/XXXX I tried to fix this issue with Wells Fargo, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Wells Fargo Account # XXXX, Opened Date XX/XX/XXXX, XXXXClosed Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to XXXX XXXX 

Thank you.

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 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I've tried disputing my information with each bureau about the " 30 days late '' payment listed on my account. I've never been late on payment since I've had this account and don't plan on ever having one moving forward so I would greatly appreciate if they could correct this inaccuracy and report this data correctly because this issue is standing in the way of securing a home for my family.

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I've tried disputing my information with each bureau about the " 30 days late '' payment listed on my account. I've never been late on payment since I've had this account and don't plan on ever having one moving forward so I would greatly appreciate if they could correct this inaccuracy and report this data correctly because this issue is standing in the way of securing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: MS

Complaint narrative:
I've tried disputing my information with each bureau about the " 30 days late '' payment listed on my account. I've never been late on payment since I've had this account and don't plan on ever having one moving forward so I would greatly appreciate if they could correct this inaccuracy and report this data correctly because this issue is standing in the way of securing a home for my family.

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 2020-04-10 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: TN

Complaint narrative:
THIS ACCOUNT WAS APPLIED FOR WITHOUT ME KNOWING

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 2020-04-10 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: AL

Complaint narrative:
I sent a letter to Experian dated XX/XX/2020 by certified mail. Experian received my letter XX/XX/2020. My letter was in reference to unauthorized credit inquiries on my credit report that I do not recognize. They did not have authorization to run my credit and I did not apply for credit with these companies. I called Experian a few times to get more information about these inquiries. I was told that I would have to contact each company separately. Before I called them back, I took the time to contact each company listed on my credit report and none of them could give me information on where the inquiry came from nor did they have any of my information on file. They insisted they could not do anything as far as my credit report and I would have to dispute it with Experian. I followed up with a call back to Experian. I was put on hold 3 times and I was also transferred a few times. Not sure who the first person it was that I spoke to, but I also spoke to a XXXX before being transferred the first time and a XXXX the last time. I was finally told the fraud department was down and I had to call back. Each time I called back I could not reach a representative. 

As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.

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 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/2020 I tried to fix this issue with Capital One, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Capital One, account # XXXX Opened Date XX/XX/XXXX, XXXX Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to Capital One. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: NY

Complaint narrative:
I live in XXXX and a rental property collection has appeared on my credit report. 

This information is completely false and does not belong on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga

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 2020-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Re : The Bank Company Delaying a Fund Transaction. 

-- PROBLEM BANK - UNION BANK. 

-- The Complainant Sent a Small Amount ( College Tuition ) to the Union Bank, from the Complaint 's External Bank Account, XX/XX/2020, However, The Bank Company, Delaying the Transaction. 

REMITTANCE REF XXXX TO XXXX XXXX XXXX USD Kindly Advise the Bank Company XXXX to Review the Process, Conduct the Fund Transaction, At Its Earliest Convenience Please ... 


-- Thank You Very Much, We Appreciate Your Business. 

-- XXXX ( SS # : 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 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
In XX/XX/XXXX I leased a vehicle from XXXX XXXX XXXX. When I first got the vehicle I informed XXXX XXXX  that was an issue with the front of the vehicle and that it was missing a side panel of the vehicle. I called them various times about it. They said o call your insurance they should be able to fix it if you think that its a big issue. I let it be as they obviously didn't think it was a big issue. The lease was for 2 years. I went on with the lease on XX/XX/XXXXsomething of XXXX we took the lease back to the place they told us to. We left the car and the keys. The people there even tried to get us into a new lease. They said we were good to go and sent us off on our way. I had seen that they were on my credit report so I tried to call them and even email them, they should have all them logged in their system since they ask me for my personal information every time. Every time that I contacted them they keep giving me the run around. That they would email me, and then the email was a copy of the loan agreement, and to call them, and the cycle continued. Last I heard was that " it takes time to be off the credit report ''. 

On XX/XX/XXXX I received a letter from a lawyer asking us to pay off the lease. Nothing was given to us from the day that we left the vehicle until today. There was an accident XX/XX/XXXX which the insurance covered and the vehicle was returned like before. The vehicle was returned to them the same way that it was given to us with miles driven. Note we didn't have a mileage amount listed on the contract that we needed to keep the vehicle under. As the contract said that we would be charged when we returned the vehicle and we were not, we left. Again we were even told we could use that amount for a down payment on a loan for a different vehicle. 

I sent an email to the lawyer on XX/XX/XXXX, Please see attached. I also called him and left him a voice mail. 

I did not hear back On XX/XX/XXXX I sent a second email and I called as well. This time he answered and he said that the way this works is that he will get the information from his client and then I have 10 days to call him back or he will take me to court. He said that I could also call him and pay it. He asked me why I didn't think I should pay it. I told him that the vehicle was returned and when returned no issues were informed, and I never heard from anyone until I got his letter. He said that he would send me the clause of the contract and what ever other fees his client incurred. 

I did not get anything back, and the information is showing as non payment for over 100 days

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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Victim of Fraud from XXXX. Paid XX/XX/2020 {$1600.00} for services not rendered/received and BB & T denied my claim for reimbursement. Debit card was used as Credit Card with no pin entered

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 2020-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation