vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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: MN

Complaint narrative:
This writer submitted a dispute to XXXX  on XXXX. And a follow-up correspondence from XXXX they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from XXXX to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that XXXX  would need any further information however has agreed to provide that information to XXXX for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing XXXX to Block the Following two accounts from being reported as they are result of identity theft XXXX  XXXX XXXX Acct # XXXX and XXXX/XXXX XXXX   Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell XXXX has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with the XXXX XXXX Police Dept. Both reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the information

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 2020-07-30 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: MN

Complaint narrative:
This writer submitted a dispute to XXXX on XXXX. And a follow-up correspondence from XXXX they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from XXXX to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that XXXX would need any further information however has agreed to provide that information to XXXX for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing XXXX to Block the Following two accounts from being reported as they are result of identity theft XXXX XXXXXXXX XXXX Acct # XXXX and XXXX/XXXX XXXX   Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell XXXX has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with XXXX XXXX XXXX Police Dept. Both  reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: CA

Complaint narrative:
I called Experian on XX/XX/2020 letting them know that the addresses and phone on the website are not accurate in Information.I try to file a dispute to EXPERIAN have credit inquires removed off my report.I submitted a cease and desist order to tell XXXX XXXX to stop running my credit on XX/XX/2020 I currently have a pending court case XX/XX/2020 regarding the cease and desist order violation. 
I asked to speak to a supervisor with Experian because the customer service was refusing to accept my dispute.I explained to her the addresses and phone numbers were wrong I called the numbers they are disconnected or voice mail is full and I mailed out letters but address was not valid returned back to me. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX/XXXXXXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX XXXX   Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX/XXXX XXXX  Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX/XXXX XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) 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 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/20 I called Wells Fargo to do a balance transfer for 14 month with 0 % APR at 3 % transfer fee. The amount to be transfer was greater then what I had on my platinum credit card. The representative on the phone suggested that he will do an internal Soft Inquiry to see if I can transfer more then what my credit card allowed. I did agree to a Soft Inquiry. I WAS VERY CLEAR ON NOT WANTING MY CREDIT PULLED BECAUSE I AM IN THE MIDDLE OF BUYING A HOME. The representative agreed and stated that he will not do a hard inquiry BEFORE HE ASKED ME. I agreed to just transfer a partial of my personal loan to the XXXX Credit card and thats it. Transfer was done but the next day I got a message from XXXX that my credit was pulled and I lost 9 points and a hard inquiry. I did not agree to this!!!! I keep getting transferred from one rep to another and I am being told that its common they do this when the representative made it very clear that he will not do a HARD INQUIRY. 

All conversations with Wells Fargo were recorded!!!

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One is involved in fraudulent account tampering. Every month I get an alert from XXXX but I could never open up the account not get access. I believe it is someone at HQ is responsible for fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I wrote a check to myself in the full amount of my paycheck of {$1800.00}. and made a mobile deposit on XX/XX/2020. The funds were supposed to be available the next business day XX/XX/2020. The following business day when my funds should have been available instead there was a hold placed on my account with the following description : ( FM Deposit Hold-See SM ). 

I wrote the check to ensure that it met the minimum balance requirements of this account to avoid a fee until I'm able to have my paychecks directly deposited into my account. The check has been paid by the bank the check has come from but I still have a hold on my account for that check, and was told by your company that the duration of that hold will be 6 business days, which ensures that the earliest amount of time the funds would become available will span between 2 business weeks. I have absolutely no money. We are living in times where we fear every day for our health, financial security, and overall well being. Rent is due the XXXX  of the month and this situation places a greater burden on me that adds to the stress we already endure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX, Virginia upon getting an approved auto loan for the vehicle from N.C. State Employees Credit Union. Including with the price of the vehicle the auto loan included {$1200.00} for an extended auto protection package. The owner of the dealership did not submit payment and extended warranty application to XXXX XXXX XXXX. The FBI launched an investigation into the dealership for fraudulent activity and numerous reports of obtaining money under false pretenses in total of 81 indictments and was sentenced to 3 years in prison in XXXX. Upon his release he is court ordered to pay Restitution to all victims of his crimes. As stated in his promissory note his first payment of {$450.00} was supposed to be made to me XX/XX/XXXX. I have not received this yet. However, my vehicle is no longer in working condition and I am not financially able to pay for the repairs and make the payments to SECU on the auto loan. I am currently unemployed. This has caused an enormous amount of stress on my behalf because this is causing derogatory remarks and late payment history to be noted on my credit report. Even with reporting what happen with the money for the warranty, XXXX State Employees Credit Union has not been able to offer me any help in getting this matter resolved without defamation of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I put in a dispute to TransUnion on XX/XX/XXXX, sent via certified mail with return receipt. It was marked XX/XX/XXXX they received my letter. I sent my follow-up letter XX/XX/XXXX explaining they did not respond to my letter. There were no disputes opened and I received nothing in the mail accounts were verified. It is not XX/XX/XXXX and there was no investigation. Now they must delete the information due to non-response.

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 2020-07-30 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$29000.00} XXXX   XXXX XXXX {$3400.00} XXXX XXXX {$160.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: CA

Complaint narrative:
It is impossible to speak with someone over the phone from Experian. This company has been OBSTRUCTIVE to me refinancing my home. I WANT TO SPEAK WITH SOMEONE OVER THE PHONE TO FIND OUT IF THE FREEZE HAS BEEN PERMANENTLY LIFTED AS I REQUESTED. IS THIS TOO MUCH TO ASK?

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 2020-07-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I dont even have the exact dates because thats how unprofessional Chase representatives are, I had the chance to deal with XXXX who worked at the mortgage lending department of Chase. We decided to apply for a mortgage and she was the one helping us out she had no idea what she was doing it seem like it was her very first application, she took down all my information pulled my credit seemed very confident in the work that she was doing and now its been over a month and she has disappeared. We never got her contact information as promised like she said she would forward to us and we have had not the opportunity to reach out to her because no one knows who she is! She pulled our credit, we had over XXXX scores and then ignored us

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$29000.00} XXXX   XXXX XXXXXXXX {$3400.00} XXXX XXXX {$160.00} XXXX 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 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$29000.00} XXXX XXXX  XXXX {$3400.00} XXXX XXXX {$160.00} XXXX 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 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Making a XXXX XXXX  account. Trying to link my bank account to the app and pnc wont let me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report XXXXXXXX {$310.00} XXXX   XXXX {$8900.00} XXXX XXXX {$670.00} XXXX  XXXX {$670.00}

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 2020-07-30 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report XXXXXXXX {$310.00} XXXX   XXXX {$8900.00} XXXX  XXXX {$670.00} XXXX  XXXX {$670.00}

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 2020-07-30 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report XXXXXXXX {$310.00} XXXX   XXXX {$8900.00} XXXX XXXX {$670.00} XXXX  XXXX {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
By letter dated XX/XX/XXXX that is enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH ''  ) responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) as complaint number XXXX with false statements as it pertains to an already time-barred debt and mortgage identified with account number XXXX, by : falsely addressing the Estate of XXXX XXXX XXXX as the Customer ( s ) for the above referenced account number when no such estate is connected to my property, and my husbands name was not XXXX XXXX XXXX ; and falsely declaring that I defaulted on my mortgage loan as of XX/XX/XXXX and mentioning the active illegal foreclosure under Docket No. XXXX wherein XXXX and PHH are falsely declaring XX/XX/XXXX as the date of default, when at all relevant times : ( 1 ) the false date of default as of XX/XX/XXXX contradicts the XX/XX/XXXX date declared for the same transaction under Docket No. : XXXX and a true copy of foreclosure complaint filed therein on XX/XX/XXXX ( the same day of my husbands death ) is attached hereto as Exhibit B ; ( 2 ) the false date of default as of XX/XX/XXXX misrepresents and falsely implies that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) the false date of default as of XX/XX/XXXX unlawfully conceals approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX during an extreme time of grief upon my husbands death, with approximately $ XXXX being cashed by predecessors and affiliates of XXXX and PHH as displayed within the checks enclosed hereto as Exhibit C. 

Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX XXXX '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act (  RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

In closing, the conduct set forth above constitutes false statements to the CFPB by XXXX and PHH in response to complaint number XXXX in violation of 18 U.S.C. 1001, mail fraud in violation of 18 U.S.C. 1341 and continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the XXXX XXXX XXXX for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on 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