vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 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: OH

Complaint narrative:
I went over a copy of my new credit report it contained same errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific  information under dispute is defaming the integrity of my credit file. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$260.00}

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 2020-03-19 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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX  XXXX {$260.00}

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 non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I am in disagreement with the items listed which still appear on my credit report, even afte r your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an email from someone within my institution about a XXXX XXXX XXXX XXXX   opportunity ( I found out after the fact that their account was compromised due to phishing ). I applied for the job and received an email from XXXX XXXX ( XXXX ), as well as a text ( XXXX ) letting me know that I was accepted. I then received a packet in the mail on XX/XX/20, with which I was provided cashier 's checks from XXXX XXXX XXXX XXXX totaling {$2900.00}, which I was to deposit in my checking account before completing my task. The instructions were to go to the nearest XXXX XXXX and purchase two {$1200.00} gift cards and fill out a survey on my store experience. My compensation would be the difference in what I was paid and what I purchased in gift cards. I also received a follow-up call from this man afterwards, who asked me about my experience at the store and seemed very nice on the phone. After following the instructions of sending the codes on the backs of the gift cards to the phone number ( XXXX ) and email address ( XXXX ), I was then asked to send a cashier 's check and money order donation to the XXXX XXXX XXXX -- which I have not done, now that I know this was a scam. 
As a result, the checks bounced, I was charged {$36.00} in fees from Chase Bank for these checks, and I am out the {$2500.00}, which Chase is not willing to help with. 
I have filed several reports, contacted the XXXX XXXX, and notified the Federal Trade Commission, none of which were able to do much to help me recover the funds or solve the issue. But I wanted to make as many organizations aware of this fraudulent scheme as possible. This man is claiming to be with XXXX XXXX ( a legitimate secret shopping/market research company ). I also filed a police report with XXXX XXXX, IL Police Dept ( # XXXX ) at ( XXXX ) XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
While working to trying to secure a loan for a business venture, my " partner '' opened a credit card and put my name as the guarantor without my permission. And Bank of America did put my name as guarantor without checking with me. 
The card was issued to the business address of the partner and all mail were being sent to him without my knowledge. 
The bank issued a credit card to the " partner '' also without getting any approval from me. 
As soon as the partner received the card, he maxed the card out ( {$25000.00} credit ), made a few payments and stopped making payments. 
Only then did I find out that he had put me as the primary card holder. 
I reported this to Bank of America but I haven't been able to get this resolved for over two years now. 
I have made several calls and talked to their fraud department but do not get any resolution. 
I have provided them with the name and number of the individual who opened the account and made the charges to no avail. 
Since I am a Bank of America customer, they have been taking money out of my account and not doing anything toward the individual who they know opened the account and to whom they have sent a credit card.

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 monetary relief
Consumer complaint received 2020-03-19 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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them 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 2020-03-19 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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them 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 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Account previously closed debt isnt accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
After having moved to XXXX  from XXXX in XX/XX/XXXX, I tried to get BMW Financial Services to send my title to the MVA to get my car registered. MVA claimed to have never received the title and I was unable to register the vehicle. I continued to call back and forth with BMW having claimed to have sent out the title multiple times over the next 10 months until the XXXX  registration expired on XX/XX/XXXX. From this point on the car was undriveable. In XXXX of XXXX, BMW was supposed to have sent out the title, after contacting the MVA multiple times and them saying it was never received, I called BMW again. BMW then said they have never sent it, sorry ... I continued to contact BMW Financial and the MVA to get this situation resolved, and by XX/XX/XXXX I gave up as there was no longer a point to register the vehicle for the next 3 months before I could turn in the BMW early. I paid all payments on time and continued to insure the vehicle. BMW refuses to work with me on this situation. I even considered trading the vehicle in early just to get a vehicle that would be drivable. I called today, as the COVID-19 situation my company has closed down due to a mandatory order from the Mayor of DC. One representative sent me to another saying that with the unique situation they couldn't see why they wouldn't be able to waive a payment or more. After paying close to {$7000.00} in payments and $ 1500+ in insurance that I could not be driven for 8+ months, BMW refuses to concede anything for this issue. I was unable to register this vehicle through no fault of my own. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 going to be a cosigner for my sister 's car she was purchasing and when my credit report got pulled I notice a list of items that did not belong to me. Can you please remove these items from my credit report. 

XXXX XXXX XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I've filed an original claim to CFPB. Here 's the text 'In late XX/XX/2019 I've managed to purchase XXXXXXXX XXXX XXXX XXXX headphones at XXXX XXXX After I've unboxed I've discovered that left ear was defective and it wasn't charging, nor playing music, while right one was working fine. I've vocalized my concern to XXXX customer support over the phone and been provided with return label altogether with return form. The item has been returned to XXXX facility in XXXX, KY, nevertheless I didn't see a refund posted back to my account. Please, consider all supported documents attached such as a copy of return form, return label, ups tracking information and proof of delivery. ' After submitting it, Chase representative contacted me within 2 days and promised that Chase will investigate further, altogether with previously submitted documents. Representative left his phone number XXXX with extension XXXX and promised to get back with an update on a resolution. After a month waiting I gave him a call and left a voicemail, asking for a callback with an updates. Never returned. Then another one, and another one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit score was unjustly affected. My credit score was corrected at one point by XXXX everything has been corrected with the XXXX and an investigation was done to show this information was incorrect. It had been resolved at one point but it has again came up on my credit report taking a negative affect. XXXX has resoled on there side and states they are unsure why the credit bureaus keep adding to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX  USDOE/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX  USDOE/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX USDOE/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: KY

Complaint narrative:
I notice Helvey and Associate on my credit report for an alleged over draft debt about a checking account. First Inever received a notice to dispute there claim because I owe them nothing. I never applied for any type of credit from them. Secondly, I believe if this alleged debt is mine shouldn't an overdraft charge shouldn't it be con XXXX? I've read many complaints on this company about their shady and harassing tactics. I will also be contacting a consumer lawyer about my rights and how Helvey and Associates never mention I had 30 days to dispute this debt on ANY dunning letter. My consumer rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 going to be a cosigner for my sister 's car she was purchasing and when my credit report got pulled I notice a list of items that did not belong to me. Can you please remove these items from my credit report. 

XXXX XXXX XXXX {$1900.00}

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 2020-03-19 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 going to be a cosigner for my sister 's car she was purchasing and when my credit report got pulled I notice a list of items that did not belong to me. Can you please remove these items from my credit report. 

XXXX XXXX XXXX {$1900.00}

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 non-monetary relief