vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
For the out dated information I want to remove from my report, their is no function to remove it or dispute it. The following accounts are old : XXXX, XXXX, XXXX, AND XXXX. I dont see the function to report these accounts that are old and outdated to be removed ( TRANSUNION ) I would like this old information removed from all three credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NH

Complaint narrative:
I purchased the card for {$200.00} at XXXX in XXXX XXXX nh on XX/XX/21 at XXXX XXXX  that evening we tried to register the card. But had difficulty understanding the teleprompts so I put the card back in the package with the receipt s and had to have my brother make the purchase that I bought the card for. I have every intention of doing on going business with these folks as I've heard good things about them! The card was taken from my office by we are quessing one of the XXXX children my girlfriend takes care of during the week it has been a nightmare to put all these parents thru questioning there children and searching for the card that's why it has taking me so long to call and try and figure out how to straighten out the issue one person out of the 4-5 people I talked to told me he had the card number and it had not been activated.but I would have to call back during the day and speak to a supervisor now I have every piece of information except the card number I have the packaging which when provided he looked up card and cancelled it or locked it but they refuse to issue me a replacement even though they know that the card I paid {$200.00} can not be used they still refuse to replace card even though I have the two store receipts and the package,. I gave them the information needed so they are not going to lose a XXXX yet they are going to steal my {$200.00} just because I didn't have the card number that he looked up in two seconds and locked the card this is plain straight out robbery this makes absolutely zero sense how can they be allowed to do this there excuse was someone may find the card ( SERIOUSLY WHAT THE CARD I GAVE THEM THE INFORMATION IN ORDER TO SHUT OFF ) this is unfare practice and plain robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2020, a transfer of {$600.00} was sent from my account to the wrong person. it states CLEARLY at the top of the Cashapp recipient section to enter the name of the person you want to send money to. I dont understand how someone whom I dont know, nor in my contacts were able to pop up and receive my transfer. I requested for the person to return my money ( as per Cashapp ) and was denied and blocked by this stranger. I contacted Cashapp support team and they say they cant retrieve my funds. I cant lose out on that much money. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Credit card 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I got served with documents threatening to take me to a court or file a judgement against me I have sent letters on XX/XX/XXXX asking for the company to verify that this is my debt and they failed to do so on XX/XX/XXXX they served me with a letter threatening to sue me however have not been able to verify if this is my debt. i never applied for this card nor do they have any type of signature just an e signature I have attached my dl and I authorize the letters I sent on XX/XX/XXXX target card need to be removed as well as the other unauthorized items listed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
Up until recently I was in the covid forbearance program. I requested my servicer, United Wholesale Mortgage ( UWM ), to evaluate me for the streamlined flex modification since I can not afford my pre-covid monthly payment due to reduction in income. The flex modification is one of the option available for those impacted by covid-19 as per my investor, XXXX XXXX, guidelines. I have been very clear in all my communication with UWM that I need the loan modification and NOT the deferment. UWM assured me the modification is available and that they have begun the process. 

In my first attempt at getting approved for the loan mod, UWM insisted that I needed to fill out a borrowers response package ( BRP ). I informed that according to the covid-19 hardship reference guide provided by XXXX XXXX this should be a streamline process which does not requires a BRP to be accepted ( XXXX XXXX XXXX ). They agreed and said they will get started on it. 
Then on XX/XX/XXXX I get an email stating that they have entered me into the deferment program claiming that I requested it. 

I have had several conversations with UWM since they accepted me into the wrong program and each time they say they will resolve the situation. Then when I follow up, I find that the previous employee didnt do what they said and that the deferment is still going through. 

At this point, I have been lied to, hung up on by employees, and said I would be getting calls from managers with no follow through. These past few months have been absolutely frustrating and dreadful working with UWM. They have provided no single point of contact to help resolve this ongoing problem. I dont know what else to do at this point besides file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
This debt was not mine. I have never had XXXX XXXX. Not to include, I was out of the country in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
My daughter is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. 
XXXX XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
My daughter is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. 
XXXX XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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:
I am a victim of the Equifax Data breach and my social security number has been compromised. I am a victim of Identity theft. I have an abundance in fraudulent accounts on my credit report that are holding me back in life. I have filed an Identity theft report and have accompanied all my other documents such as my Identity and Bill as proof. Please help me! Credit is essential for life in the United States and I'm unable to move on with my life due to people opening accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: MA

Complaint narrative:
Experian Re : This Letter is Sent to Remove Inaccurate Credit Information from My Credit Report To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately please :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
My identity was compromised by someone and my XXXX  check went to a fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
i filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to MUFG UNION Bank NA with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed 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 2021-03-20 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 {$3300.00}.

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 ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have disputed American Express charge off on my XXXX  report. I have disputed this countless times and the dates change and is inconsistent. All our personal data was breached by the lack of security of XXXX. We have disputed this charge off for years and there is misrepresentation by American Express and XXXX. We placed a fraud alert right away when we noticed charges and XXXX and American Express are still not doing their part and making this right! You would believe that the largest credit reporting agency would be above all others in ethics and practice ; however, not XXXX. The charge off should have been removed as the other ones have been removed. The victim should never continue to be victimized. Its contrary to the law and humanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX Re : This Letter is Sent to Remove Inaccurate Credit Information from My Credit Report To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately please :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/21 I noticed two fraudulent purchases made on my credit card that were 'pending '. The charges, {$800.00} and XXXX, were made at a tire shop in Texas. I live and work in Washington, have not been to Texas in years, nor were there any other purchases made in Texas prior, just the two big ticket purchases. I disputed the charges, flagging them as fraudulent as soon as I noticed them. Citi sent a new card within a day, realizing my credit card had been compromised. Since then the charges have posted to my account, I have not received any response from Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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 am a victim of the XXXX Data breach and my social security number has been compromised. I am a victim of Identity theft. I have an abundance in fraudulent accounts on my credit report that are holding me back in life. I have filed an Identity theft report and have accompanied all my other documents such as my Identity and Bill as proof. Please help me! Credit is essential for life in the United States and I'm unable to move on with my life due to people opening accounts in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back in XXXX I sent a letter to Bank of America explaining we are having financial difficulties and being retired the health expenses have been increasing. I don't want to ignore my two account balances but I need to reduce the interest rate from 15.99 and 22.00 % to zero and lower the monthly payments at least for a year. 
They told me they do not have any program available and referred me to a consumer credit company, I contacted them but the offer was unacceptable as they intended to increase my monthly payment, which I can not afford.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I sent my first letter to the company complaining about false information on my credit report on XX/XX/XXXX, it has now been well over 30 days and I still haven't received no results. 

Accounts : XXXX  Actions taking credit bureau is taking longer than 30 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 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed several accounts with Experian and XXXX but they refuse to remove incorrect items. XXXX XXXX and XXXX bank had been on my report over 7 years and should be removed. I also disputed the late payments that I received for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. In the month of XX/XX/2020 I called each creditor and explained that I was experiencing hardship and that I needed to lower my monthly payment as well as change my payment date. They all agreed and stated that I would not receive any late payments from XX/XX/2020 until now is long I made my payments on time, which I did. I disputed this many times, but Experian and XXXX  refuses to fix it. Also, it is still showing that I owe {$100.00} to XXXX XXXX XXXX and this has been paid in full already and it shows 11 charge offs which is incorrect. They also refuse to fix this. There is also 2 accounts on my report that doesnt belong to me. My report shows 2 accounts for XXXX XXXX XXXXk. I never had a XXXX XXXX XXXX credit card before, so this should not be on my credit report. They are not cooperating with me and I need help correcting information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I sent a certified letter to transunion to have a few inquiries removed. My letter was sent and I was notified Transunion received the letter XXXX XXXX. On XX/XX/2020 I also received a letter stating that they wouldn't be able to assist me with getting them removed. I also followed up with a phone call as well they said they will take a look into my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: FC HoldCo LLC
State: MI

Complaint narrative:
My XXXX is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. 
XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to US Bank with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed 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 non-monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Sage Stream will not send me a copy of my consumer file.

I requested a copy of my consumer file via their website in XXXX of XXXX. They sent a letter that they needed additional address verification proof and I sent the documentation via certified mail on XX/XX/XXXX. I never received a response or a copy of my consumer file. 

I sent another request via their website on XX/XX/XXXX. I received a letter on XX/XX/XXXX asking for the same proof of address documentation as before. I attempted to fax per their instruction, but the fax number had a " line fail '' error code each time I tried to send. So, I sent the info via mail ( along with that same info for the request for a security freeze ) on XX/XX/XXXX. 

To date, I still have not received my consumer file. All of the requests/back up documents were submitted in the same envelope and the security freeze was placed on my file, so that confirms that they have received all of the information. Yet, they still have not sent me my file.

Company response to consumer: Closed with explanation