vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA

Complaint narrative:
I received an alert today from XXXX Credit Bureau to advise me that there was a change to my credit. Once I logged on, I discovered 2 unknown collection accounts on my credit from Law Offices of MBA??? My credit report further states the date of services or the day the accounts were opened was XXXX and its for a company called XXXX XXXX. My complaint is that I have never received a collection notice from this company before. I also have health insurance and I have not been to the Dr. this year so far.- I don't know what this is for. I have also been a victim of Identity theft they can check with the FTC or the bureau. I have a police report on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Independent Mortgage Corporation
State: AZ

Complaint narrative:
I felt this lender was taking advantage of me and the situation, while threatening me to hurt my credit by reporting the appraisal charge to collections when the deal didn't go through. 

I was never given a link or any form of Payment form before he ordered it. Seller failed to perform and had to cancel the deal, then he started harassing me for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO RECOVERY IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XX/XX/2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX was removed. And put back on

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 2020-05-06 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: IL

Complaint narrative:
I checked my credit reports and seen unverified, inaccurate and erroneous items on there. This is effecting my chances of getting a home. I contacted the companies by sending a 609 letter to verify these items that are reporting and never got any verification.

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 2020-05-06 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 social security.

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 2020-05-06 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: IL

Complaint narrative:
I checked my credit reports and seen unverified, inaccurate and erroneous items on there. This is effecting my chances of getting a home. I contacted the companies by sending a 609 letter to verify these items that are reporting and never got any verification.

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 2020-05-06 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: IL

Complaint narrative:
I checked my credit reports and seen unverified, inaccurate and erroneous items on there. This is effecting my chances of getting a home. I contacted the companies by sending a 609 letter to verify these items that are reporting and never got any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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. COLLECTIONS XXXX {$300.00} COLLECTIONS XXXX {$290.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$76.00} XXXX XXXX {$570.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$420.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$12.00} XXXX XXXX XXXX {$2000.00}

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 2020-05-06 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 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. COLLECTIONS XXXX {$300.00} COLLECTIONS XXXX {$290.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$76.00} XXXX XXXX {$570.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$12.00} XXXX XXXX XXXX {$2000.00}

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 2020-05-06 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 credit 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. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have informed Equifax that these accounts are not mine but they refused to delete them. These were opened without my knowledge or permission. These are fraud accounts that are listed for DEPT OF EDXXXX XXXX XXXX Bank Delaware. There has also been unauthorized inquires that I did not give permission to have my information given to from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Bank, XXXX - XXXX XXXX. I have called the companies they tell me to contact the bureaus, I contact the bureaus and they do absolutely nothing. Please delete & block this information from returning because this is such a headache attempting to get this information corrected. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 social security.

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a business account with B of A in XX/XX/2020 and I used the card 1 time for total of XXXX. They recently closed the account with no explanation XX/XX/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 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XX/XX/2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN 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 explanation
Consumer complaint received 2020-05-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XX/XX/2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN 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 explanation
Consumer complaint received 2020-05-06 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 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 accounts from my credit report as soon as possible. XXXX XXXX {$2200.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$420.00}

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 2020-05-06 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 credit 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. CHAPTER XXXX BANKRUPTCY 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 2020-05-06 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 credit 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. CHAPTER XXXX BANKRUPTCY 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 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Hello, On XX/XX/2019, I opened a checking account and an investment account with MoneyLion Inc . The fine prints mentioned that as long as I make several direct deposits into the accounts, I will be entitled to a welcome bonus up to {$690.00}. 

In the next few months, I did several direct deposits from my salary ( up to ~ {$27000.00} ) into the accounts. However, till this day, I have not received this welcome bonus. I have reached out to MoneyLion several times, and there is no definite response from them, which really frustrates me. 

Please reach out to them regarding this issue. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: NY

Complaint narrative:
I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2020-05-06 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN CALING AND WRITING TO THE BUREAUS AND TO BANK OF AMERICA DIRECTLY. THE ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES ARE FRAUDULENT AND NOW THE ACCOUNT HAS A XXXX BALANCE AND ITS CLOSED, BUT NEVER THE LESS IS A FRAUDULENT ACCOUNT AND IT IS NOT MINE, I HAVE NEVER SEEN THE COLOR OF THAT CARD. WHAT IS THE POINT OF HAVING FEDERAL TRADE COMMSSION OR EVEN THIS ORGANIZATION IF NO ONE EVER CARES WHAT CONSUMERS TELL THEM OR WHAT THEY SAY. THIS BANK OF AMERICA IS NOT MINE, I HAVE NEVER OPENED THE CARD, I HAVE NEVER MADE ANY PAYMENTS, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.

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 2020-05-06 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
NAVY FEDERAL CREDIT UNION CALLED MY SUPERVISOR ON XXXX XXXX, KENTUCKY AND THREATENED TO SUE TO REPOSSESS MY CAR. THIS BANK IS EVIL AND NEEDS TO BE DESTROYED. THE PRESIDENT OF THE BANK CALLED ME A XXXX AND A XXXX  TO MY FACE. THIS IS THE MOST XXXX BANK ON THE FACE OF THE EARTH. THEY DO NOT NEED TO BE IN BUSINESS UNLESS THEY FIRE THE ENTIRE EXECUTIVE STAFF. THIS IS A CULTURE OF CORRUPTION. THEY ALSO HAVE NOT TOLD ME FOR THE 3 TIME WHAT IS THE XXXX IS FOR. BECAUSE THEY KNOW ITS A LIE AND A FRAUD. THIS WAS A SECURDED ACCOUNT IT WAS PAID IN FULL. THIS IS OUTRAGOUS. UNTIL THIS ACCOUNT SAYS XXXX I AM NEVER GOING TO LET THIS GO NEVER EVER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
I secured a personal loan with One Main Financial in XX/XX/XXXX. I used my XXXX XXXX XXXX as collateral. I had full coverage on my vehicle at the time I first got the loan and I still have full coverage on my vehicle. I use my grace period each and every month to pay my insurance. I have another vehicle that's insured with XXXX and I use my grace period with them too each and every month. I guess, when I'm late, but within my grace period, my insurance must have notified One Main Financial. My insurance has never lapsed, my registration is always up to date ; but I don't understand why One Main Financial is always harassing me about their XXXX insurance that they want to force on me. My monthly payment is XXXX, do you know what that would come up to XXXX, I can't afford that and One Main Financial can not have my truck. I've never been late with my payments, that are due on the XXXX of every month. My credit is not the best, I guess that's why I had to go to One Main Financial in the first place, but they can't keep harassing me about insurance that I don't need.

Company response to consumer: Closed with explanation