vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 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 XXXX. XXXX  XXXX, 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. 
U S DEPT OF ED/XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 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 SOC SEC # XXXX DOB XX/XX/1988 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 2020-06-09 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  XXXX, 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. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 SEC # XXXX DOB XX/XX/1988 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 2020-06-09 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: NJ

Complaint narrative:
Hello, On XX/XX/2020, i sent a dispute letter to Transunion Credit Bureau. An investigation was done and i was sent a response letter dated XX/XX/2020 that finished their investigation. I sent a certified dispute letter XX/XX/2020 to Transunion. Transunion received the letter on XX/XX/2020 per usps confirmation. A few weeks later, i get a letter dated XX/XX/2020 saying Transunion wouldn't reinvestigate the same item ( s ). The two items they wouldn't reinvestigate were a XXXX  XXXX credit card account and a bankruptcy. I sent them new information on XX/XX/2020. Example : Letters from Bankruptcy Court that specifically states they don't report or provide information to credit bureaus and a validation letter to ask where are the accounts under the bankruptcy. I have pictures of the return letter from Transunion on XX/XX/2020, pictures of the certified dispute letter, validation letter, the Bankruptcy court letter, and the certified mail receipt i sent on XX/XX/2020. I also have a picture of the Transunion letter dated XX/XX/2020 whereas they refused to reinvestgate. I dont know why Transunion would not reinvestigate after i sent my dispute letter in XXXX. I believe this procedure is against the law for the Fair Credit Reporting Act.

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 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX PARAMOUNT RECOVERY SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I posted a housing ad on XXXX on XX/XX/XXXX. The same day, someone named " XXXX XXXX XXXX '' messaged me and told me that her friend was looking for a place and she gave me her email.. '' XXXX ''. I emailed her and she sent me a check via email, told me to print it out and deposit it. The check came from " XXXX XXXX XXXX XXXX '' for {$2700.00}, which was more than I needed. She said her company paid for her rent, and she was on a contract. She asked me to send the money back to the mover, who would bring her luggage and car. After I sent her this, the next day, she told me that her grandma died and that her mom was in critical condition, so she needed to borrow {$1500.00} which she would pay back through her company. Another check was emailed to me from " XXXX XXXX '' with the same company name, for {$1500.00}. Both checks initially went through and the funds were visible in my account. I sent her {$1500.00} back per her request. Then, she told me that she needed all the money back. That's when I realized the checks were fake. After a few days, the bank rejected the checks and charged me a fee, even though I had explained the situation to them immediately. I contacted Cashapp and XXXX. Cashapp was impossible to get a hold of, and XXXX opened a case. I sent her {$500.00} on XXXX, and {$2200.00} on Cashapp, in seprate payments ( {$500.00}, {$750.00}, and {$1000.00} ).  Please contact me for more information!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
Hello, I have reached out to American Express multiple times, with no answers and no regards to the status of my account. I have never had a 30 day late payment with American Express. I had fallen behind in XXXX of XXXX and XX/XX/XXXX, but never 30 days past due. On XX/XX/XXXX I spoke with XXXX, who stated i should make a payment immediately to avoid receiving a 30 day late mark, since my account has never been delinquent. I complied, paid the requested amount, and agreed to pay the remaining amount by XX/XX/XXXX. On XX/XX/XXXX, I attempted to make a payment to American Express but was unable to do so as my account had been closed. I tried multiple times to contact them but was unable to get through after entering my account number. I finally found a number to call directly, and spoke with 3 different team members. None of which could explain what happened. I had a debt collection agency contact me shortly after, in which I mailed a letter questioning the validity of them taking possession over the account. I did not hear back from that company again. American Express continues to send me statements, but does not let me make payments. I now have another debt collection agency, who has just taken over the account, contacting me. They arent concerned with my questioning of the way American Express handled my account, but I am now conflicted with having an account in collections, appearing to be delinquent, when I dont feel like it should be there in the first place. I am truly at a loss on how this should be handled. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2020, CAPIO partners fraudulently reported a debt of {$2500.00} on my XXXX  credit report. I have not received any documentation to verify this debt. I have not been contacted by this company whatsoever. If you search the name of this collection agency online, you will find hundred of consumer complaints describing these unfair and deceptive tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, * XXXX XXXX XXXX  XXXX. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Midwest Loan Services, Inc.
State: TX

Complaint narrative:
Hello, I have XXXXwo opened mortgages, One from XXXX and and other XXXX, ever late in monthly payment. I notified bank ( Midwest Loan Services XXXX on XX/XX/XXXX that I am unable to pay the mortgage due financial loss in current situation. 
I received email back asking to call, unable to reach them due to wrong extension. So left a XXXX Mail on operator 's mailbox. 
Several correspondence happened until XX/XX/XXXX when loan was placed on forbearance plan with a condition to suspend one loan and pay escrow on second loan. Within a week bank started reporting negative ( delinquency ) to credit bureaus despite state law to to report due to Covid19 situation. 
I called them up and they refused to cooperate in this regards. 

Thank You

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 2020-06-09 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I reported an account opened fraudulently to Santander Bank using my personal information in XXXX of XXXX. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or XXXX, nor removed the accounts from these reports as they were opened fraudulently

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 2020-06-09 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
credit report pulled without my authority online and without my knowledge. I would like proof of my signature that i gave permission to pull my credit report or have it removed asap. 

I XXXX XXXX XXXX do have a hard inquiry on my credit from XXXX of bmo harris bank thait is fraud that I did NOT authorize by any manner. I have talked to the bank on 3 occasions and they have not removed it. I do not and have never had acct with this company by any means. this is a fraud attempt that they refuse to contact the credit reporting agency to have it removed. XXXX XXXX will not remove without bmo harris bank stating to remove the inquiry dated XX/XX/2019.

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 2020-06-09 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I reported an account opened fraudulently to XXXX XXXX using my personal information in XX/XX/XXXX. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or Chexsystems, nor removed the accounts from these reports as they were opened fraudulently

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 2020-06-09 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: Early Warning Services, LLC
State: NY

Complaint narrative:
I reported an account opened fraudulently to XXXX Bank using my personal information in XXXX of 2019. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or XXXX, nor removed the accounts from these reports as they were opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: OH

Complaint narrative:
Im trying to enter my bank information and I have tried every way possible. I called my bank and they said I have to get ahold of them and enter it in manually but earnin is saying they cant do that. I cant not connect my bank to use it and dont know what to do at the point and its getting aggravating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was trying to do a product change on my credit card because I dont want pay the {$99.00} annual fee and I was told that I need to update my phone number with XXXX  in order to do the product change which I did 3 weeks ago but its still showing the old phone number on Citi banks end and Citibank keeps telling me that I need to contact XXXX  which I did and I updated my phone to XXXX on my fraud alert several times and Citibank keeps telling me that my old number is still showing on Citibank end and second is that my credit line increased was declined several times due to a fraudulent account was reported that was charged off but I had that account removed a month ago which it was XX/XX/2020 and I dont have any charge off accounts reporting to XXXX  at all .... I fax in the credit report to Citi and I havent heard from 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