vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 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: TX

Complaint narrative:
XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score see attachments of the fcra violations

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 2020-12-31 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: TX

Complaint narrative:
XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score see attachments of the fcra violations

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 2020-12-31 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: TX

Complaint narrative:
XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score see attachments of the fcra violations

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 2020-12-31 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2020-12-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
I received a call XXXX from local branch. ignored call because I didn't know the number and I was at work. They left a voicemail. My then ex boyfriend called me and said the same number had called him and he gave me the name Covington credit and number to call back. I then checked my voicemail. The voicemail said I owed a small personal loan. That I cashed a check from them. To which I said no I didn't I have never talked to you before. Apparently it was a check mailed to my address that if cashed or deposited, automatically opened a loan with their company. First of all how ridiculous is it that no paperwork has been signed by me or anyone in my household but all of a sudden I owe for this loan? I would love to see the signed paperwork from this company for this loan. I repeatedly told them to not call me or my ex boyfriend again. But yet I received a phone call yesterday I didn't answer. And I received a call today I didn't answer. And then they called my ex boyfriend again a few minutes later. Why are they still calling when I have asked them not to?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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:
XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have been trying to contact Cash App company for 2 of to 3 unauthorized charges for the past 3 month with no motivation to help me fix my account. Received an email that said it fell in my favor but my money was never returned. Then I was told it's past 90 days that nothing can be done about it now. I DEMAND TO HAVE MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I HAD NO IDEA I HAD THIS DEBT IT IS A XXXX CREDIT CARD OPENED XXXX AND CLOSED XXXX I HAD TRIED TO REFINANCE MY HOUSE AND FOUND OUT THE COMPANY SOLD IT TO XXXXXX/XX/XXXX WHICH THEN WENT TO A LAWYER WHERE THEY PUT A LEIN AGAINST MY HOUSE, I CALLED THEM XXXX AT XXXX XX/XX/XXXX AND SPOKE WITH XXXX XXXX SHE SAID SHE WOULD GET THE INFO TO THE LAWYERS AND THEY WOULD BE BACK WITH ME WITHIN 24HRS AND I GOT A EMAIL BACK AT XXXX SAYING THEY COUNTER OFFERED I DO NOT OWE THIS DEBT BUT TO RUSH THINGS ALONG ON MY HOUSE REFINANCE I TRIED TO SETTLE THE TOTAL AMOUNT WAS A LITTLE OVER XXXX I OFFERED XXXX, THEY COUNTERED WITH THEY WILL ACCEPT XXXX AND PAYMENTS ON THE REMAINING TOTAL OF XXXX. I DONT KNOW HOW TO CHECK ON THIS AND I DONT FEEL ITS MINE CAN YOU HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC
State: OR

Complaint narrative:
I got a notification to my credit report that an account was opened early last year without my consent or knowledge at the time I lost my wallet and had to get a new drivers license and social security number. I reached out to the police and they did an on going investigation about identity theft. I then sent in that police report numerous times and the Collin asset group refuses to acknowledge the fraud on my behalf at this point its been a year and they havent gone anything to make it right and its affecting my credit in a huge negative way I need it fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
XXXX modification wrongful amount on deferred principal from XXXX modification. Per lenders recent response to you once again they are being deceptive. I have tried endlessly to have this corrective

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NY

Complaint narrative:
XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NY

Complaint narrative:
EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2020-12-31 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

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 2020-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
I was behind on a few payments at one main financial in XXXX Washington. After receiving my stimulus second paycheck I immediately paid my past due palance. I called an agent to help me with my next payment for XXXX XXXX.After she looked into my account after 5 minutes I was a declined. When I called I have paid my full balance to be in good standing. I have tried other several companies All of them have either fur load my payment or extended it to help me during the pandemic issue of XX/XX/XXXX. One main financial also kept harassing me about three times a day looking for a payment when I did not have any money because of covid-19 financial issues. I hope for some leniency after my account was brought up to good standing yet I was still declined. OneMain financial did not give me any further options They did not help me at all and they were very unprofessional. The last words that one main financial agent told me was next time in the future call ahead of time if I need help with my future payment. That is exactly what I was calling about I believe the fee is anywhere between {$25.00} to {$50.00} and I was behind two payments if my fees would have been waived I would have a smaller amount owed in XXXX which would have helped me they're in the covid-19 pandemic crisis. Even one waved fee would have been great help during this disaster. I feel taken advantage of during this crisis and that is why I came to this website to file a company. thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: U.S. BANCORP
State: KY

Complaint narrative:
I received a call from a XXXX XXXX stating she was from a company based out of XXXX called XXXX XXXX. She gave me an account number of XXXX stating it was a checking account opened with u.s. bank on XX/XX/2007. She threatened to take me to court and have me arrested if I didn't pay thw amount owed on an overdraft in the amount of {$4300.00} XXXX called from phone number XXXX extension XXXX. I called U.S. Bank fraud department and they stated that I did not have any account with them based on my social security number which XXXX provided but I did not verify whether she was correct or not. They provided me with actual addresses of mine and places that I have worked.

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 2020-12-31 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

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 2020-12-31 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated XXXX XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
On XXXX/XXXX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.

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 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
XXXX XXXX XXXX and Attorney Hunt & Henriques ( collection agency ) is trying to collect a credit card debt XXXX even though the statutes of limitations has ran out. The Judgement was issued in XXXX by XXXX XXXX XXXX Court  , XXXX of XXXX XXXX but I was never served or receive notice from the court until the Judgement Levy was received at my employment XXXXThe Judgement Levy garnishment amount XXXX demanded in full to be sent to the Sherriff. I contacted Hunt & Henriques and explained that I had no knowledge of the debt, judgement and they did not want to vacate the Judgement. I filed a motion to vacate judgement pro per and to set aside default it was declined on XX/XX/XXXX in the XXXX XXXX XXXX Court claiming i was served by a process server but no actual paper work was presented or needed to prove I was served in XXXX According to the Judge .I attempted to explain that XXXX XXXX XXXX has been using the tactics of going after consumers for collection of bad debt even though the statutes of limitations had run out and also using robo-signing affidavits the Judge declined to hear it. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX  data breach and may have gotten in the wrong hands.

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