vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$870.00} XXXX {$760.00} XXXX {$6600.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$15000.00} XXXX {$13000.00} US DEP EDXXXX  {$6600.00} XXXX {$760.00} XXXX {$5200.00} XXXX {$18000.00} XXXX {$2200.00} XXXX {$420.00} XXXX {$28000.00} CHAPTERXXXX BANKRUPTCU DISCHARGEDXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 for the first time in 2 years and I have derogatory items that are not mine, I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from 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 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I gave my son in Vermont a {$1000.00} check to put into my checking account. He apparently opened a Venmo account for me and put the {$1000.00} into it. Now, I cant sign in to Venmo and My husband and son have spent 2 total hours trying every way possible to get the {$1000.00} into my checking account. Their phone number robot says theyre unable to handle any problems over the phone. It recommended that I go to Help.venmo.com, but I have tried that 10 times and I cant get into it. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX XXXX {$26.00} XXXX XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX XXXX {$1700.00}

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 2020-06-12 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:
attached my FTC report and Identity theft 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 2020-06-12 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 couple of collection letters I continued to 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. 

DPT ED/XXXX XXXX {$4400.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$880.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-06-12 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 for the first time in 2 years and I have derogatory items that are not mine, I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine, I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from 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 2020-06-12 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 trying to buy a house later this year so today XX/XX/20 I had my credit ran to see if I could get pre approved for a home loan however, when my credit report came back, I was told I did not get approved because there are several accounts in negative standing on my credit. I looked through my report and I saw the accounts in negative standing but none of them were opened by me. Those accounts do not belong to me and I did not allow anyone to open them using my personal information such as my ID, social security number, name, etc. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I don't know who is responsible for these accounts but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-06-12 00:00:00
Product: Debt collection — Payday loan 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: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I received a letter from XXXX XXXX Firm stating that I owe a debt that is not accurate and not the correct debt. This so called law-firm is trying to use communication tactics and not following the law when informing someone of their debt. The original debt is from a fake loan company that is illegally trying to collect on fake loans/debts. I am asking the CFBP to get involved in this fake debt collection process. I am also contacting the Virginia attorney general 's office to contact this so-called law firm and have them stop collecting on fake debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
On XX/XX/2020 I attempted a withdrawal from a Columbia bank ATM in XXXX XXXX Washington. It shows up as a transaction from Columbia bankXXXX XXXX XXXX. The attempted withdrawal amount was {$400.00}. The total amount that was taken from my account was {$400.00} which includes the ATM fee. I did not receive any funds from the ATM that day. 

The physical address for the bank is : Columbia Bank XXXX XXXX XXXX XXXX XXXX, WA XXXX I immediately disputed the charge with my bank ( XXXX ). The money was returned to me but later that decision was overturned and the money was taken back out of my account again. I escalated the dispute and it was denied again. I called XXXX dispute department 4 times trying to resolve the issue to no avail. The representative that I kept getting wasnt actually in the dispute department and told me that department can not be reached by phone or email. At that point I filed a complaint on this website. 

A person from the actual dispute department finally called me and basically said Colombia bank sent them information that proves the money was taken from the ATM. I called Columbia bank asking for the video surveillance of the ATM but was denied. XXXX said there was nothing else they could do for me and Columbia bank was blaming XXXX. 

This error was not my fault and the money was not dispensed to me which the video surveillance will prove. At this point I dont  know what else to do about the theft from my account. Please help.

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 2020-06-12 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:
Someone has Stolen My Identity to Open These fraudulent Accounts I cant Believe that this Has Happen to me Please Help me resolve This Situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-06-12 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
I am trying to buy a house later this year so today XX/XX/20 I had my credit ran to see if I could get pre approved for a home loan however, when my credit report came back, I was told I did not get approved because there are several accounts in negative standing on my credit. I looked through my report and I saw the accounts in negative standing but none of them were opened by me. Those accounts do not belong to me and I did not allow anyone to open them using my personal information such as my ID, social security number, name, etc. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I don't know who is responsible for these accounts but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-06-12 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 trying to buy a house later this year so today XX/XX/20 I had my credit ran to see if I could get pre approved for a home loan however, when my credit report came back, I was told I did not get approved because there are several accounts in negative standing on my credit. I looked through my report and I saw the accounts in negative standing but none of them were opened by me. Those accounts do not belong to me and I did not allow anyone to open them using my personal information such as my ID, social security number, name, etc. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I don't know who is responsible for these accounts but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-06-12 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:
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. 

XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$3300.00} XXXX XXXX {$710.00} XXXX   XXXX {$410.00} XXXX XXXX {$1500.00} XXXX {$500.00} CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
XXXX XXXX, XXXX I was injured on the job and had XXXX on XX/XX/XXXX. I was out of work and my employer stop paying me for reporting the job related injury. I contacted PHH to mitigate and requested a loan modification in XXXX. I contacted HUD because PHH failed to mail application. I sent loan modification packet back with all information requested in the packet. 3 weeks later I recieved notice that the underwriter want my tax doc before modification would be process per PHH letter sent on XX/XX/XXXX. Tax docs sent and recieved before deadline of XX/XX/XXXX. Then I was informed by letter that the process was not complete but per there letter it should have been. Now PHH has refused to process or even assist during me during this process. I call can't get through case manager unavailable when u call to correspond. Scheduled call backs are not kept as promise. I requested for all communication to be sent by mail or email as that is my primary contact. 

Please be advised that I worked with a Housing Counselor in XXXX Of XXXX and PHH never responded to that request to modify the loan. This is now my third attempt to modify to keep my home as PHH is doing everything to make me homeless. I want to and expect to keep my home but PHH has become to unethical to work with over the past 6 months. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX  XXXX {$26.00} XXXX  XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX  XXXX {$1700.00}

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 2020-06-12 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX XXXX {$26.00} XXXX  XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX  XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 couple of collection letters I continued to 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. 

DPT ED/XXXX XXXX {$4400.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$880.00} XXXX XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX  XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation