vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-01 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: NV

Complaint narrative:
There are accounts listed on my credit report that aren't mine. Please remove them.

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 2020-01-01 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: MD

Complaint narrative:
I, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$3000.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX   Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - CARD SERVICE Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX CARD Inquiry : XX/XX/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 2020-01-01 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: MD

Complaint narrative:
I, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XX/XX/XXXX{$10000.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$3000.00} XXXX/XXXX  Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX - CARD SERVICE Inquiry :XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01 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: NV

Complaint narrative:
There are accounts listed on my credit report that aren't mine. Please remove them.

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 2020-01-01 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: NV

Complaint narrative:
There are accounts listed on my credit report that aren't mine. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian Bureau once again did not allow me to dispute using typing form but to call. It is inconvient and I wd prefer to use typing form to file a dispute. The Experian lowered my score ny 19! It was XXXX XXXX XXXX XXXX fault and like I said before Experian did have the access to my XXXX XXXX XXXX XXXX XXXX but they dont bother to look but reported on what bank reported. I closed the acct with XXXX XXXX XXXX is because of their corrupted lies. I was never late! Was late for first time in XX/XX/2019 only and it was not my XXXX fault! Secondly, Experian lowered the score just because I closed the acct. See attachments. The reason why I closed is because of XXXX XXXX corrupted lies and false info.

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 2020-01-01 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: NY

Complaint narrative:
The law states that bank of america will delete all accounts that have been charged off and sold, and delete from any credit reporting agency. 
I was the victim of identity theft in XX/XX/2015, the exact time of first late payment on this account. I have proof of the identity theft from XXXX  and XXXX. I have never missed a late payment in my life other than this incident which was only due to identity theft. The law states that bank of america will delete all accounts that have been charged off and sold, and delete from any credit reporting agency. My charged off account was sold to a collection agency and is still being reported as a charged off acount by bank of america. Please remove this ASAP. I can provide the proof of identity theft upon request.

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 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: IL

Complaint narrative:
On XX/XX/2019, I opened a new netspend account at my local XXXX XXXX check cashers and they notified that I would not be receiving a card and it would come in the mail. I loaded the account with {$1000.00} and that same day I checked my online banking {$960.00} was drained out of my account with a XXXX purchase not even in my area. I immediately called to dispute the charge. I was told multiple times but netspend employees that I would receive a credit on XX/XX/XXXX or even soon. I called multiple times and was then told XX/XX/XXXX is the exact day I would be credited. On the XXXX, no money was credited. I called and they told me they could not credit me the money hackers stole from me. I am so upset by this as it seems like banking security has just gone down as a whole. I was not able to pay my rent and me and my kids might have to go out on the street. I was not able to buy groceries and XXXX presents that I had promised them and XXXX was ruined. Netspend has by far the worst customer service I have ever received. I am so upset because I was told when I opened the card that my prepaid netspend debit card was protected against fraud and unauthorized charges. I have never made the unauthorized charge in question and I think I am dealing with criminals that can spoof their number to appear like mine. I also suspect the tellers at the XXXX XXXX   location are somehow involved. I just want my money back, I cant believe my money was stolen right out of my account like that. 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 2020-01-01 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:
XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX   {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 I've now also filed with the attorney general office. 

The above need to be deleted by law in accordance with section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity

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 2020-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: MODERN FINANCE COMPANY
State: CA

Complaint narrative:
Car was purchased for XXXX and prior to payment on XX/XX/2017 for title and registration payment modern finance begans to be an aggressive assignee

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XXXX XXXX once again did not allow me to dispute using typing form but to call. It is inconvient and I wd prefer to use typing form to file a dispute. The XXXX lowered my score ny 19! It was Bank of America s fault and like I said before XXXX did have the access to my XXXX XXXX XXXX XXXX XXXX but they dont bother to look but reported on what bank reported. I closed the acct with Bank of America is because of their corrupted lies. I was never late! Was late for first time in XX/XX/2019 only and it was not my XXXX fault! Secondly, XXXX lowered the score just because I closed the acct. See attachments. The reason why I closed is because of BOA s corrupted lies and false info.

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 2020-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XX/XX/2019 my Pay Pal account was placed on a freeze. I contacted pay pal and I was advised it was due to another account that was open in my name that had a negative balance which has to be fraud because I have never had any other pay pal accounts in my life. 

I was advised to submit a police report for identity fraud and my funds will then become avail 5-7 business days after the report was received. So I followed all the steps and provided them all the information requested to me. Two months go buy I heard nothing so I called back in and they advised me that the original ticket they submitted to get this corrected had expired and they needed to start the process again! 

So another months goes buy I received a call saying they were going to lift the hold on my account and I could resume to use my account as normal. Long story short that was a lie no holds were ever removed. So again I called in and they had to start the process again long story short at this point Im receiving auto responses saying that they have completed there investigation and because the account Im saying is fraud has all my personal information that I am liable for the debt and I need to pay the debt to gain access to the account that has my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2019, I attempted to order my free credit report from Experian per Georgia State Law via their web site. I answered all questions correctly to confirm my identity. I was then directed to a web page telling me to mail in proof of my identity. I then tried a provided link to upload my proof of identity. All information was previously entered correctly and all required documents were given ( State of Georgia Driver 's License scan and Bank Statement Scan ). This failed telling me that the file sizes could not exceed 15MB. The file sizes were 2MB and 135K. They again directed me to mail in the information. I sincerely believe that Experian is making it very difficult to order my free credit report per state law. I had absolutely no problem with XXXX and 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 2020-01-01 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: NV

Complaint narrative:
There are items on my account listed that aren't mine.

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 2020-01-01 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: NV

Complaint narrative:
There are items on my account listed that aren't mine.

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 2020-01-01 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: NV

Complaint narrative:
There are items on my account listed that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: NV

Complaint narrative:
There are accounts listed on my credit report that aren't mine.

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 2020-01-01 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: NV

Complaint narrative:
There are accounts listed on my credit report that aren't mine.

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 2020-01-01 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: NV

Complaint narrative:
There are accounts listed on my credit report that aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are some accounts and a bankruptcy listed on my credit reports that aren't mine. Please remove them.

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 2020-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are some accounts and a bankruptcy listed on my credit reports that aren't mine. Please remove them.

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 2020-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are some accounts and a bankruptcy listed on my credit reports that aren't mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX CARD  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my 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 non-monetary relief
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AR

Complaint narrative:
A company called Wakefield and associate has inaccurate information on my credit report ... .I contacted them and told them that this is not my debt and to plz remove the inaccurate in from my credit that they were breaking thee law ... .I asked them for the original copy of this debt with my name one it ... and they said they dont have it ... I ask them is this a debt that they are saying I owe them or is this a debt that they purchased from another company but they want tell me ... ..but they have destroyed my credit with this fraudulent account they have on my credit report ... ..I am asking Wakefield and associate to plz show me proof of the original bill or remove this inaccurate in from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FR CA, Section 616, and pursue legal action. -- OPEN AC COUNT --  1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my 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