vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found out that I am a victim of identity theft when a debt collector called me about a credit card payment for an account that I did not apply for. I had no idea what the debt collector was talking about. That prompted me to check my credit report and I found that someone had used my personal information to apply for and get approved for several credit cards that I didn't authorize my personal information to be used for. I tried to advise the debt collector that I knew nothing about the debt and did not benefit from it, but they said they couldn't help me. The XXXX XXXX account and the XXXX XXXX/XXXX XXXX accounts should be removed from my credit profile because some criminal used my personal information without my permission to apply for and benefit from those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filling this report because today XX/XX/2020 I found out about two accounts and several credit inquiries on my credit report that do not belong to me. I was denied from refinancing my car and thats how I found out about all of these items on my credit that do not belong to me. I did not open those accounts nor did I make those credit inquiries. I did not allow anyone to open those accounts in my name nor did I give those companies permission to run my credit. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts and inquiries such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts. I have filed a police report regarding this unauthorized accounts and inquiries that should not be on my credit.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filling this report because today XX/XX/2020 I found out about two accounts and several credit inquiries on my credit report that do not belong to me. I was denied from refinancing my car and thats how I found out about all of these items on my credit that do not belong to me. I did not open those accounts nor did I make those credit inquiries. I did not allow anyone to open those accounts in my name nor did I give those companies permission to run my credit. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts and inquiries such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts. I have filed a police report regarding this unauthorized accounts and inquiries that should not be on my credit.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized :  Creditor : XXXX Inquiry Date :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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX  Inquiry Date : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I have been attempting to resolved a matter with Allied Collection Services for several years. They have been assigned to collect a debt for the XXXX XXXX XXXX XXXX XXXX that I did not incur. I have not been able to resolve this matter with them and was eventually advised to file a police report, which I did. They have still not taken this fraudulent item of 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 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I was attempting to apply for a BBVA US Credit Card under a promotion I received in the mail ( Reservation Code : XXXX ) but before I could go further I was denied because I am not a US Citizen, but a XXXX XXXX. I was appalled by this as I initially received this in the mail, addressed to me XXXX XXXX as I currently bank with BBVA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DLC, LLC
State: IL

Complaint narrative:
Trying to apply apartment but I can't be approved because of the collection I don't own .. the XXXX XXXX XXXX trying to collect the Dollar loan under my husband account.. which my husband just file chapter XXXX bankruptcy. Which the Dollar loan been discharged with the bankruptcy and now they report it under my credit report as a joint which I don't sign anything and im not present when my husband get a loan. 
The amount they trying to collect is {$1400.00} XX/XX/2018 And they put joint without my signature and even im not present they include me as a joint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
We are a self-employed married couple, with a XXXX XXXX in Pennsylvania. Our Governor, Governor XXXX, has sit all business down and given us a stay-at-home order. We cant work and do not have any income. We have attempted to call BB & T to be responsible and discuss deferment during this time when we are not receiving income due to Covid-19. 

XXXX- on hold with the BB & T mortgage line for 3 hours and 5 minutes. Call when disconnected when answered. 

XXXX- on hold with the BB & T mortgage line for 2 hours and 19 minutes. Had to hang up. 

XXXX- on hold with the BB & T mortgage line for 3 hours and 3 minutes. Had to hang up. 

XXXX- on hold with the BB & T mortgage line for 2 hours and 8 minutes, was after hours at this point, hung up at XXXX Still no resolution. We do not want to default. Our payments are on auto-withdraw and we dont want our accounts to go negative either. 

I have learned from others that they are offering a 3 month deferment- then at the end they expect lump sum repayment to include all 3 months plus the current month due. 

How is anyone to pay 4 months of mortgage payments in a lump sum after not working and having any income? 

Other companies are offering deferment and the deferred months are going to the end of the term to extend it by 3 months. 

BB & T is not helping their customers. They will be putting them out of their homes and on the streets!

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 2020-03-27 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: CA

Complaint narrative:
XXXX XXXX  XXXX  wrongfully reported my wife and I during the government shutdown last year XX/XX/2019. They eventually acknowledged and removed that 30 day late status XX/XX/2019, but our 70 points taken off from each of us never returned.

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 2020-03-27 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: CA

Complaint narrative:
XXXX XXXX XXXX wrongfully reported my wife and I during the government shutdown last year XX/XX/2019. They eventually acknowledged and removed that 30 day late status XX/XX/2019, but our 70 points taken off from each of us never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am currently a customer with a car loan through Ally financial and it cant complain enough about the terrible customer service with this company. I went into my account to change my credit card information due to changing banks and after applying my new card Information they locked me out of my account. So I called and they told me to try logging back in in about 5-7 days ( ok no problem ) after 7 days I try to log back in and still locked out so I called once again to see what the deal with and I get the same answer over and over again so I ended up having to pay my payment thru XXXX XXXX so I wouldnt get penalized. So the following month came along and STILL locked out of my account. Still no answer, still not one person tried to help me get into my account to pay my payment so once again I had to do XXXX XXXX and today I am once again in the same boat and I REFUSE TO KEEP USING XXXX XXXX. Im a very unhappy customer with Ally bank I have been a customer for about 1 year 1/2 and never once had a missed or late payment. I just dont get it. I need answers.

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 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TN

Complaint narrative:
I live in Tennessee and Usbank said I was at their XXXX XXXX main branch location on XX/XX/XXXX. I was in another state. I think my dad deposited my tax return although the email said thanks for visiting our branch location which implies somebody pretended to be me at the bank. My dad is an elderly XXXX  so I hope identity thieves are not pretending to be us. I do not know why my dad would pretend to be me at the bank. If it is an impostor, then they are probably phishing my business ' checks and clients before I get them, as if they knew a big check was coming in and then they withdraw it before I notice. I do not authorize anyone to pretend to be me at the bank. I alerted XXXX, so if they did not respond then they are corruption suspects. Nobody needs to pretend to be anyone else in order to make a deposit. Accessing my account illegally is a serious bank XXXX  red flag.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXXXXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX - {$830.00} Needs Attention XXXX XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX - {$4200.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax investigated then deleted addresses not belonging to me. They currently have been placed back on my file without notice or reason. Confirmation number for report with investigation results is XXXX. I've attached a photo of results of the investigation confirming deleted information as well as photos of current file showing deleted addresses once again listed on my personal file as of today. The confirmation number for the investigation can be found at the bottom right hand corner of the results page. I am presenting their findings so there should not be a rebuttal from Equifax. 

This is the second time that this website rejects my social so this report confirmation number as well as the photo of the report should suffice with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
a formal complaint that you are reporting inaccurate and incomplete credit information NOTHING RETURNED IN 30 DAY OF TWO TRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: SC

Complaint narrative:
a formal complaint that you are reporting inaccurate and incomplete credit information NOTHING RETURNED IN 30 DAY OF TWO TRIES

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 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hammerman & Hultgren, P.C.
State: AZ

Complaint narrative:
Hammerman & Hultgren Constant calling abuse fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX of this year, we were reported 30 days late on our U.S Bank HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of 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 non-monetary relief
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX - {$830.00} Needs Attention XXXX  XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX - {$4200.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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