vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX I leased a new XXXX  XXXX XXXX XXXX replacing my existing Lease for a XXXX XXXX XXXX. With 2 payments left I agreed with the dealership XXXX XXXX  in XXXX that I will take care of 1 payment and they will pay for the next one. Not eve 15 days ago we received a bill from Hyundai Motor Finance telling us that we owe XXXX. We are calling since then to contact some one in both Hyundai Motor Finance and XXXX XXXX. Today they finally answer at Hyundai Motor Finance and an agent named XXXX said that is nothing they can do. At this point they reported me to the credit bureauowhile I'm in the process of closing in a new home. These times with covid has been difficult and this company in specific is getting our business and doing this process all wrong. 
This is no the first time it happens with them. Back in XXXX we had the same issue.

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 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX my mortgage with PHH Mortgage matured after 15 years of payments. The company says they sent one letter in XXXX, XXXX to let me know the loan was set to mature. They have also admitted there was no other communication regarding the loan. 

I did not realize the loan had matured and continued payments, which were accepted by PHH until XXXX, XXXX. The XXXX payment was returned to me and it was then I was informed the loan had matured. I contacted PHH and was told I needed to pay the full amount of {$55000.00} at that time. 

I contacted PHH to do a modification to my loan and had was told to submit my application as soon as possible. On XX/XX/XXXX I submitted the required documentation and received a letter dated XX/XX/XXXX saying my application was complete. 

My customer service representative, XXXX, informed me on multiple calls that I had completed the application and thanked me for being prompt. During this time my credit score was dropping due to my non-payment on the {$55000.00} balloon, but since I was working with the company, I had been told I would not be held accountable for the loan as it was " in process ''. I was later told this was incorrect and I was unable to get a loan anywhere else, so I was forced to continue using PHH. 

On a call on XX/XX/XXXX I was told there were items missing from my application, even though I had a letter from PHH saying my application was complete. I was told my pay stubs, and application were all older than 90 days and were not being accepted. The fact was my documents were less than 30 days old, and there was confusion among the three customer service representatives as to what was actually needed. After three hours on the phone it was found my application was indeed submitted less than 90 days before, but the clock had restarted on the 30 day timeline PHH had to act on my application, which forced my credit even lower and ensured I either paid PHH the {$55000.00} ( which I do not have ) or get the terms of loan if they decide to give one to me. 

I feel their practice is predatory in nature and has forced me to use their company at the terms they set. The company admitted I had never missed a payment in 15 years and even paid XXXX extra months when the loan matured. Their customer service was aggressive on occasion and less than helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$420.00} XXXX  XXXX {$740.00} XXXX XXXX  XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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:
Experian and XXXX have been reporting these fraudulent accounts under my name. 

XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX CARD is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these 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 explanation
Consumer complaint received 2020-07-28 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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX  XXXX {$75.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$11000.00}

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 2020-07-28 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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX  XXXX {$75.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$11000.00}

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 2020-07-28 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$5600.00} XXXX XXXX {$1700.00}

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 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Midwest Service Bureau, Inc.
State: AR

Complaint narrative:
XXXX XXXX has called me from Midwest XXXX agencies. I have spoke with him and tried to settle the debt but he wouldnt give me accurate information. The numbers just do not add up. He also contacted my previous employer as well as my current employer and my girlfriend harrassing us. I have told them repeatedly i am on the national do not call registry and he still continues to call. He told my boss information that was private and hurt my employment which eventually lead to me having to leave the company. I am sick and tired of being harrassed by this same individual. He used profane language on the phone calls and calls me at least once every other day. I have tried to settle debt with the original collector and they will not accept any form of payment if it isnt the full amount.

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 2020-07-28 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$5600.00} XXXX XXXX {$1700.00}

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 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CT

Complaint narrative:
I contacted the debt collector I.Q. data on XX/XX/2020 to request information on this debt that is over 3 years old. I requested in writing the information and haven't received it and its been over 30 days. I was told by a supervisor that he refused to send the information to me and that it didn't matter, I just needed to pay it. There was also obscene language used against me by two different people and my personal information was asked without my permission to obtain it for some kind of loan process that sounded fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX    XXXX {$740.00} WXXXX XXXX XXXXXXXX {$460.00}

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 2020-07-28 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$420.00} XXXX   XXXX {$740.00} XXXX XXXX  XXXX {$460.00}

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 2020-07-28 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion have been charging my credit card for 30 months. I never signed up for the service. I was going through a rough time in my life with divorce and XXXX  XXXX. I neglected to check my credit card bills until recently. I called XXXX ( XXXX ) VISA to report fraud. I learned that my card was on auto pay ... .therefore Transunion was able to bill me for 30 months even though I have changed cards 3 times. 
I called Transunion and asked for proof that I have signed up. They charged me {$19.00} a month staring on XX/XX/2018 for almost 2 years then increased to {$24.00}. I never ever heard of Transunion until yesterday. I did not sign up for any of their services. I have good credit score and was not interested any credit services. I have no debts and live a simple clean life. 
Transunion can not prove that I have signed up and I never received an email from them regarding their services. 
They are very difficult to get in touch with. I called 3 times. The first agent offered a 9 months refund, the second offer was 10 months refund, the third offer was 12 months refund. I am so angry of this scam or fraud. I want a full refund plus ( interest? ) Please help. 
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 2020-07-28 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: LA

Complaint narrative:
I have duplicates from student loans they have listed 4 original loans listed as 12 loans Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed five times but it is originally one loan XXXX XXXX is a medical bill, it is illegal and a violation of my hippa rights to post my medical information on my chart and it's illegal to post duplicates I only have 4 original loan documents I even have addresses that are duplicates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA 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 2020-07-28 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrectXXXX XXXX XXXXXXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America offered me a loan modification whereas I was supposed to make 3 trail payments of {$280.00} for XXXX, XXXX and XX/XX/2018. I sent each monthly payment ON TIME and completed the trial payments. But when told that my payments would only be reduced by a few dollars, I declined the modification and sent the difference to restore my payments to the original amounts of {$300.00}. 

Bank of America held those payments instead of applying them ( as you will see on my statements ).  Then they reported the payments late to their own collection department and to the credit reporting agencies. I have called them several times to resolve the issue, and sent letters by mail, and by fax ( which I still have proof of ). I was told to give them time to correct this information. But it's been over a year now. 

While applying for loans to lower my rate, I've discovered that this incorrect information about late payments is still showing on my credit reports. I am trying to get it removed by contacting the 3 agencies separately. But this information has prevented me from being approved for loans.

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 2020-07-28 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX XXXX XXXXXXXX {$15000.00}

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 2020-07-28 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX XXXX XXXXXXXX {$15000.00}

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 2020-07-28 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: TX

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXXXXXX {$25000.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX  XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Pay Pal states there is a restriction on my account but has made no effort to help me reestablish this account. This is how swagbucks would pay me money on my surveys is through paypayl. I have not violated any of paypals privacy acts. I emailed the resolution center and got access to my account. 

Your account access is limited To view and resolve the limitations that have been applied on your account, you can visit the account limitations page. 

You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 


Reference ID : XXXX There has been no reason for this and I need help opening my account as there is a linked account and a deposit was made. I have a email stating account verified and ready for use. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX CAINE & WEINER # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I've never did any business with these companies.

Company response to consumer: Closed with explanation