vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: AL

Complaint narrative:
I have sent letters on two different ocassions and the first time the bureau stated they did not receive it so I sent another copy on XX/XX/21. I sent letters to each bureau about unauthorized items that appeared on my credit report, I contacted the federal trade commission to file the identity report and mailed a copy of my police report in to them and I have not received a response yet. I feel like I'm being victimized all over again because the bureaus are not trying to help seems like they just want to continue to make money off the negative information. I feel like they dont care if its right or wrong Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX and XXXX  data breach and seems to have gotten into the hands of the wrong person.

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 2021-02-10 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: AL

Complaint narrative:
I have sent letters on two different ocassions and the first time the bureau stated they did not receive it so I sent another copy on XX/XX/21. I sent letters to each bureau about unauthorized items that appeared on my credit report, I contacted the federal trade commission to file the identity report and mailed a copy of my police report in to them and I have not received a response yet. I feel like I'm being victimized all over again because the bureaus are not trying to help seems like they just want to continue to make money off the negative information. I feel like they dont care if its right or wrong Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX and Equifax data breach and seems to have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: GA

Complaint narrative:
I have had my identity stolen and have submitted a police report to both the original creditors and debt collectors. The fraudulent items have not been removed from my credit reports. In fact, I have not received a response at all. 

I have been denied employment, credit, and housing due to this issue and have only been able to live in a hotel with no stable residence. I was subsequently homeless once COVID-19 started due to the hotel having fear. 
I have no stable residence to receive mail and prefer to receive correspondence via email, as I am able to check that periodically

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 2021-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2021 XXXX XXXX  PST i would also like the removal of loan depot employee XXXX XXXX NMLS # XXXX and license revoked immediately he has treated me unfair, has provided misleading information, false information and has breach the contract i made with loan depot XXXX XXXX XX/XX/2021 XXXX XXXX  PST I XXXX XXXX, have started a lawsuit against loan depot in small claims ct and will be suing loan depot for pain and suffering, false information, racial profiling, breach of contract and hrs of painstaking work to try to get loan depot to no escrow the account and respond. 
I will be suing for XXXX XXXX dollars plus damages plus lawyer fees. 

XXXX XXXX XX/XX/2021 XXXX XXXX  PST it has been more than 48 hrs and still no response i demand a response to the request or there will be legal involvement XXXX XXXX XX/XX/2021 XXXX XXXX  PST pls update me on the status of the signed written request for the non escrow of the account. that i have faxed over to loan depot. to the fax provided XXXX XXXX XX/XX/2021 XXXX XXXX  PST i have faxed over the signed written request. 
XXXX update me on the status XXXX XXXX XX/XX/2021 XXXX XXXX  PST Re : Loan number XXXX Dear XXXX XXXX XXXX XXXX, Thank you for your recent inquiry regarding your loan. 
In order to have your loan reviewed for an escrow waiver, please send a signed, written request to : Attn : Research Department XXXX XXXX XXXX XXXX, NJ XXXX Fax : XXXX If you have a question and would like to speak with a representative, you can initiate a Chat session by? Live Chat? or send a secure message by selecting? Ask a Question?. 

Thank you for giving us an opportunity to be of service to you. 

Sincerely, XXXX XXXX E-mail Support Representative XXXX XXXX XX/XX/2021 XXXX XXXX  PST i want to non escrow account and would like to keep same insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: GA

Complaint narrative:
Creditor Information {$4400.00} XXXX XXXX XXXX XXXX. XXXX, XXXX ( 1 yr, 11 mos ) Original Creditor Name XXXX XXXX XXXX XXXX  XXXX {$640.00} Opened XXXX XXXX, XXXX ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXl ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX I have reached out consecutively to ALL creditors in reference to this matter they are very unprofessional unconcerned & unresponsive u have various charges that where unauthorized & some presume to be me & are bogus & artificial claims some have been closed reopened as well can someone please respond in a timely manner & ASAP

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 2021-02-10 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 HAVE ALERTED CRA THAT I HAVE REQUESTED VALIDATION FROM COLLECTION AGENCY AND THIS DOES NOT BELONG TO ME. ID WAS LOST AND THIS IS ID THEFT. THEY HAVE NOT VALIDATED ACCOUNT.

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 2021-02-10 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: TX

Complaint narrative:
I HAVE ALERTED CRA THAT I HAVE REQUESTED VALIDATION FROM COLLECTION AGENCY AND THIS DOES NOT BELONG TO ME. ID WAS LOST AND THIS IS ID THEFT. THEY HAVE NOT VALIDATED ACCOUNT.

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 2021-02-10 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: GA

Complaint narrative:
Creditor Information {$4400.00} XXXX XXXX XXXX XXXX. XXXX, XXXX ( 1 yr, 11 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX  {$640.00} Opened XXXX XXXX, XXXX ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX (  XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX I have reached out consecutively to ALL creditors in reference to this matter they are very unprofessional unconcerned & unresponsive u have various charges that where unauthorized & some presume to be me & are bogus & artificial claims some have been closed reopened as well can someone please respond in a timely manner & ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITALONE collection is not my account. I have never applied nor authorized anyone to apply on my behalf for any CapitalOne account. I have never incurred nor authorized any charges to a CapitalOne account. I have NEVER had a Captial One credit card. Please remove this erroneous information from my Credit Reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK closed my account unexpectedly without any notice or heads up. I had about {$52000.00} in my savings and checking account with them. The manager XXXX handled everything unprofessionally he lied about the account closing saying it was the back office of US BANK when indeed it was him. 

I asked him how will I get my money back he said he sent out a cashiers check to me. After 2-3 weeks waiting for a cashiers check that shouldve been over night mail. I contacted XXXX at US BANK asking him where the checks are and why its taking so long. According to him since he had the tracking number he said they havent been mailed out yet and still at the post office. I then asked for him to cancel those checks and i can come by the branch he said that wasnt possible. 
It was 2 checks that where supposed to get sent to me via USPS and signed for. I have cameras all over my house and can assure you that not one single person from the post office brought me anything all year let alone that week to sign for checks. My checks either never got sent to me and got cashed by someone else at the branch or they got delivered or stolen from a different address. Cause the checks got cashed at a XXXX XXXX. I dont bank with XXXX and had identity theft involving chase last year which i can provide a police report and FTC reports to show proof. 

Another week goes by and i still dont have my money. I called XXXX back and he said he needs to get an OK from higher management to see when he can reissue me my checks. After a couple hours he called back and all of a sudden says how the checks where cashed and try asking me if i forgot i cashed 2 checks around {$52000.00} like Id forget something like that. Pretty much he was accusing me for cashing Checks. He then had me come to the branch to file some fraud forms that he didnt help me with and let me know what has to be filled out which delayed the process even more. After another month of miscommunication my forms and fraud case where approved by US BANK fraud department. They finally found out where my checks where cashed and sent 3 letters to that bank demanding the funds back so i can finally get my money back. But the process has been taking way too long and i really need those funds. Its been 6 months already and i still havent seen a dime from my money yet.

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 2021-02-10 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Professional Debt collection is or has never been my responsibility. This is for apt . belonging to XXXX XXXX since XX/XX/XXXX. I lived there since XXXX as his caregiver only and was never asked nor asked to be added to the lease but was only listed as occupant. I was coerced by apt . office to sign renewal for XXXX on his behalf with me being listed as occupant. XXXX went to XXXX home apt was vacated XX/XX/XXXX. i feel that they thought he would not be getting out of XXXX home tricked me in to " signing lease for and on behalf of XXXX XXXX '' thereby which in fact added me to the lease. I was only an occupant as a live in caregiver for him from XX/XX/XXXX - XX/XX/XXXX, he was the only responsilble person for any and all payments to this apartment. Please remove this derrogatory, incorrect erroneous information from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account in the amount of $ XXXX. 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 and 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 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Sent {$70.00} to a CashApp user XXXX  XXXX for an online purchase. Never received my product and they stopped replying to my texts after the money was sent. 

They claimed their name was XXXX XXXX and that they were sending the mail from XXXX XXXX XXXX XXXX XXXX NC, XXXX Her number is XXXX I reported the scam on the app as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TX

Complaint narrative:
XXXX responded to Experian that the data information is accurate and it's not. I paid and settlers this account in XXXX of 2021, and XXXX is reporting a balance of {$2000.00}. I was advised by XXXX XXXX that if I settled this account it would be deleted and reported to XXXX as paid. I contacted XXXX XX/XX/XXXX 2021they said it also showed a {$0.00} balance on there account but yet they reported today that the information was correct. I am closing on my home and I need this account updated immediately because this information is inaccurately showing 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 2021-02-10 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
SANTANDER CONSUMER USA has sent me back documents that are not in the original documents. These documents that were sent to me has an individual on the contract that goes by the name of XXXX XXXX I have no knowledge as to who this person is. I have submitted it to SANTANDER CONSUMER USA and also the credit bureau ( XXXX ) they have yet to supply the original document with my correct signature on there. 
ACCT NO. XXXX XXXX XXXX// XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I've never own or been associated with this vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America froze my red debit card with no reason

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 2021-02-10 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Nordstrom responded to XXXX  that the data information is accurate and it's not. I paid and settlers this account in XXXX of 2021, and Nordstrom is reporting a balance of {$2000.00}. I was advised by XXXX XXXX that if I settled this account it would be deleted and reported to Nordstrom as paid. I contacted Nordstrom XX/XX/XXXX 2021they said it also showed a {$0.00} balance on there account but yet they reported today that the information was correct. I am closing on my home and I need this account updated immediately because this information is inaccurately showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: State Cap Auto Finance, Inc
State: MA

Complaint narrative:
I was a co-signer for this loan because of loss of job the loan was unable to be paid so we surrendered the car to the dealer. Why is the loan still on my credit? The car was surrendered to the dealer because of loss of job, no money coming in it wasnt my fault! I would like the credit report to be taken off my credit? The car was surrendered!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under my TransUnion File # XXXX I disputed Bankruptcy Docket # XXXX and # XXXX and # XXXX ; asked TransUnion to verify these 100 % as mine.. because they are not mine. TransUnion responded back on 2 occasions, XXXX stating they verified this through XXXX, third party and The XXXX Court. This is an absolute lie and a falsehood because you can clearly see XXXX could not verify this and had to delete them because they are not mine. The court says they in no way verify this because Judges have certain restrictions. I want this false information deleted asap

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 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Information being reported to credit bureaus and attempting to collect debt without a HIPAA release of information form for my medical records from myself. They are violating federal law with out this form. I contacted them about it and then they attempted to get me to sign a release of information form after they have already received the collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX the bank froze my account and took money out of my account never received a notice why this was happening now they unfroze y account but didnt put the money back they took out now Im in negative never got an explanation or anything

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 2021-02-10 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: PA

Complaint narrative:
Collection Agency XXXX XXXX XXXX Original Creditor Name GA XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$770.00} Amount {$770.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE I SENT SEVERAL LETTERS TO EACH COMPANY CONTACTED OVER 35 times by phone nothing has changed

Company response to consumer: Closed with explanation