vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX 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 2020-06-04 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. XXXX {$2000.00} XXXX {$360.00} XXXX {$140.00} XXXX {$860.00}

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 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX my attorney submitted an RFI on my behalf ( Exhibit A ) which there was NO response and on XX/XX/XXXX I submitted another RFI whereby responses have been inconsistent with the RFI and I STRONGLY believe there's fabrication and Data manipulation of documents and information. I have seen several inconsistencies which lead me to believe there's Misrepresentation, Collusion, abusive, unfair & deceptive practices and Fraud. Consequently, I requested the " Servicing File '' and sent the parties a " Preservation Hold and Data Preservation Notice '' but didn't receive a response. It seems they all want to point the finger at each other. Some of the chain of events are as follows : 1-From XX/XX/XXXX to XX/XX/XXXX I made payments which were " held '' in an interest bearing account instead of properly applying the payments towards my account 2-For the years of XXXX, XXXX and XXXX NO 1099 was issued 3-My Bank says they deposited my payments into several bank accounts through the years 4-There 's a host of other violations but would need the " Servicing File '' to investigate the Fraud and make an Official Complaint of " all '' their violations. 

All of the Actors and Suspects I sent my Request for Information to are : XXXX XXXX, XXXX Attorneys in Fact- XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Seterus Inc .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX fax XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX c/o Chair, XXXX XXXX XXXX XXXX XXXX XXXX  Mail Drop XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Att : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX TN XXXX XXXX XXXX XXXX Att : Audit CommitteeXXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Nationstar Mortgage, LLC d/b/a Mr. Cooper Att : Management c/o XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Housing Finance Agency XXXX XXXX XXXX XXXX Washington, D.C. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: OH

Complaint narrative:
I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX/XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
I am trying to purchase a home and had to apply for a home mortgage. I was turned down by the lending company I applied to because someone used my identity to fraudulently open a XXXX XXXX account which is now with the collection agency LJ Ross. I am unable to purchase my home until this fraudulent account is removed from my credit report. I filed an Identity Theft Report with the FTC which is signed and attached to this complaint along with validation of my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: 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 XXXX XXXX  XXXX {$530.00}

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 2020-06-04 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: 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 XXXX XXXX XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: LA

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX {$3100.00} XXXX  XXXX {$2500.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUTPCYXXXX-XX/XX/20-XXXX-XX/XX/20 {$0.00}

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 2020-06-04 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. XXXX {$2000.00} XXXX {$360.00} XXXX {$140.00} XXXX {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. XXXX {$2000.00} XXXX {$360.00} XXXX {$140.00} XXXX {$860.00}

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 2020-06-04 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DEPTEDXXXX {$7700.00} XXXX {$46000.00} XXXX {$370.00} XXXX {$280.00} DEPTEDXXXX {$660.00} XXXX {$500.00} USDEPTEDXXXXXXXX {$5500.00} XXXX {$6800.00} XXXX XXXX XXXX {$0.00}

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 2020-06-04 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: LA

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX {$3100.00} XXXX XXXX {$2500.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUTPCYXXXX-XX/XX/20-XXXX-XX/XX/20 {$0.00}

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 2020-06-04 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: LA

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX {$3100.00} XXXX  XXXX {$2500.00} CHAPTERXXXXBANKRUPTCYXXXX  {$0.00} CHAPTERXXXXBANKRUTPCYXXXX-XX/XX/20-XXXX-XX/XX/20 {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
The companies involved are GLA collections which was called upon my XXXX ( XXXX  counseling company no longer open in the area ). They collected cash prior to each class. If the amount was not paid, the services were not provided. I was up to date on my payments. The counselor then left the company putting a stoppage to classes all together. It is not possible that a debt of XXXX is present based on the process and services provided. I have disputed this through XXXX  with no success and will continue to until this is resolved. It has caused me the inability to take out a loan for a house as well as other things.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2020-06-04 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: CBC Companies, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I notified XXXX  through a dispute ( attached ) about two inquiries from Factual Data and XXXX XXXX XXXX. that I did not recognize and did not authorize. I requested an investigation of this information. I received a response from XXXX  dated XX/XX/2020 ( attached ) which did not address the results of my dispute. I followed up with XXXX  with a letter dated XX/XX/2020 ( attached ) which again requested an investigation of my dispute and which also questioned whether the inquiry companies had permissible purpose to access by consumer report. I received another response from XXXX  dated XX/XX/2020 ( attached ) which was substantially the same response from XX/XX/2020. As far as I can tell, no investigation of my dispute was conducted by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harris and Harris Ltd ( XXXX XXXX XXXX XXXX # XXXX, XXXX, IL, XXXX ) sent me a " settlement offer '' letter via USPS mail alleging an incorrect amount owed of approximately {$96.00} and offered to settle it. Harris knowingly made these false statements after knowing it had previously received two separate checks via XXXX XXXX in XX/XX/2019 for partial payments. Those payments were never acknowledged in the settlement offer despite knowingly accepting and cashing those two checks. 

Further, upon inquiry, I asked Harris to send me a paid in full letter and they alleged that they do not issue those. As you can imagine, having sent two prior checks that were knowingly left out of the settlement offer, I was weary to simply send another check without any further correspondence from Harris acknowledging payment, receipt of payment and payment in full. Harris ' tactic was to then place me on hold for over 30 minutes. 

Harris has willfully, knowingly engaged in FALSE statements as evidenced in their " settlement offer '' offer letter to me ; they have willingly and knowingly engaged in tactics designed to discourage full and fair transparency for paid in full medical debts and in tactics via prolonged holds to simply delay engaging with me in good faith. 

I finally was let off hold by a XXXX XXXX. I notified them that I am disputing any and all amounts until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2020-06-04 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: NJ

Complaint narrative:
On XX/XX/2020 TransUnion mailed to me the report on its investigation of my XXXX XXXX XXXX XXXX account. TransUnion claimed that that it updated the account to Payment received : Paid as agreed. However, TransUnion has failed to update its record to include " Payment received : Paid as agreed '' the information it mailed to me in its 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 2020-06-04 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. {$6800.00} CHAPTERXXXX   BANKRUPTCYXXXX  {$0.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00}

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