vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2019-12-04 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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
- - ______XXXX XXXX______ _______XXXX XXXX XXXX _____ XXXX XXXX VA XXXX- - _____FORMAL Complaint about XXXX XXXX and Experian the credit bureau to stop their retaliation , discrimination and abuse against an American Taxpayer - - 1-The complaint is forced to be reported to the CFPB as first legitimate taken action about Experian and XXXX XXXX  unlawful manipulating of XXXX XXXX personal information data in his Experian credit report that is at least stored and administered by Experian.

2- the above referenced two corporates are alleged to have committed fraud, financial crime and other unlawful acts against the rights of XXXX XXXX XXXX XXXX believes he can prove with clear convincing evidences at any time and at any entity with jurisdiction that the two corporates To cover up their crimes alleged in prior filings against them that were filed by XXXX, they engaged in deleting, manipulating, miss-representing and fraud against XXXX XXXX Information Data that they were trusted access to but they breached that trust and moreover they both broke the law.

3-they breached trust, terms and conditions, contract, FCRA, CFPA and other anti-retaliation provisions recklessly and knowingly to cause all kind of harms against XXXX XXXX for his previous Reporting to government against the two corporates in separate cases.

both respondents must stop their retaliation and they must pay huge legal consequences for their illegal acts against an XXXX taxpayer XXXX XXXX. -As a reference Experian credit report XXXX as provided by Experian indicating date XXXX XXXX is contested for the reasons explained at least herein.

- Please note : Each of the two corporates responses or non-response to this legal complaint will be used against each of them at any time and in a court of law. 
-. - All stated herein is to XXXX XXXX current states belief, knowledge and understanding and it is subject to any correction or change of any kind at any time and only by XXXX XXXX or his legal representative if any and without waiving his rights under any circumstances. 
digitally Signed and Filed XXXX XXXX within CFPB by 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 2019-12-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent letters on 3 different occasions ask Experian for their method of verification for a XXXX account that I told them wasn't mine each time I've never gotten a response as to how they verified the account just a letter saying it was verified. I also reached out to the collection agency that has the account and asked the same and they just sent me a bill and told me to make a police report

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 2019-12-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XX/XX/2019 sent in a request for removal of acct number XXXX us bankruptcy court because credit bureau can't give me proof of verification from local court office ... .the local court office has informed me they do not complete third party requests for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XX/XX/2019 sent in a request for removal of acct number XXXX us bankruptcy court because credit bureau can't give me proof of verification from local court office ... .the local court office has informed me they do not complete third party requests for verification

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 2019-12-04 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: NC

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2019-12-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2019 I had received my Maryland Unemployment Benefits I have the prepaid debit card used for withdrawing and usage. 
At approximately XXXX XXXX  I had went to withdraw money from my local Bank of America branch where the card is useable with out surcharge. 

Put my card in to withdraw the amount of XXXX $ out of the XXXX $ I receive weekly every Tuesday from the Maryland Unemployment Benefits. 
So I tried to withdraw no money dispensed. 

I received the receipt showing a remainder amount of XXXX $ in my account. No money was collected. 

I began to proceeding into the Bank of America branch to see if there was anything the teller could help. Unfortunately she said call the back of the number to the card. As its not one of their cards they could preform a reversal. 

I took pictures of the atm and the atm service request number. Called the Bank of America atm service request retaining the information about my experience with the atm not dispensing my cash Ive requested. They took my name and ID number of the atm. 
But there was nothing they could do. 

Finally I called the number on the back of my card for the unemployment prepaid Bank of America customer service. 
Spoke with a representative I then told the issue, filed a claim, was told basically it could take up to 45 days to be resolved. Within 7 days a reaccredit for my account withdraw for the XXXX $ could potentially be performed. 

I asked for anyways to speed up the process because Im unemployed I have no funds currently besides the XXXX $ mentioned left. The representative told me to fax in my receipt of the transaction from the ATM. 
In which Ive done so. Id then asked after the fax had theyve received my fax.

The representative told me they couldnt see my fax up to 2-3 business days!

I called 2 times later that evening to even check if they started processing my claim.

Nothing could be given informational regarding there issue when I could be responsible to see my money back accrediting my balance. 
Im in disbelief.

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 monetary relief
Consumer complaint received 2019-12-04 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: Diversified Consultants, Inc.
State: AL

Complaint narrative:
I have sent letters on 3 different occasions ask XXXX  for their method of verification for a XXXX account that I told them wasn't mine each time I've never gotten a response as to how they verified the account just a letter saying it was verified. I also reached out to the collection agency that has the account and asked the same and they just sent me a bill and told me to make a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: NC

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2019-12-04 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: NC

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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 a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2019-12-04 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: Grant Mercantile Agency
State: CA

Complaint narrative:
In XX/XX/XXXX, I was a victim of Identity theft. I had an onslaught of negative items appear on my credit reports, which gravely affected my life. It affected my ability to rent a place to live, secure a security clearance, and took me almost 4 years to recover from. I am now in escrow which is supposed to close XX/XX/XXXX. One item remains on my credit report, which I have disputed, sent a police report, an FTC Fraud Affadavit ( notarized ), letters, details. The company is Grant Mercantile Agency, and the amount is {$520.00}, placed on my credit on XX/XX/XXXX. They will NOT remove it from my credit, and it is having a high impact on my loan. They continue to not remove the item from 3 bureaus. They sent me a letter with a very long list of items needed, which I responded to ( took a day off work to gether the information, spent money to send certified next day ), and they still will not remove it. The police report states I was a victim of burglury Code 459, and Identity Theft 530.5PC, and the defendant was named in the report. This company is not following the Fair Credit Reporting Act guidelines, and they are affecting my livelihood, for 4 years. PLEASE assist me in having them remove this fraudulent information from my report. I have no association with this company. I sent them Police Report, FTC Affadavit, Drivers License, Social Security Card, letters, proof of address, and  everything they have requested. I appreciate your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04 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 a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2019-12-04 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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2019-12-04 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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2019-12-04 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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX, my mortgage loan was bought by M & T.l In XXXX I discovered they never pay my home insurance from escrow because I received a bill from the home insurance company. This is because M & T assigned me their insurance at an higher rate. In XX/XX/XXXX M & T increased my monthly payment from {$2200.00} to {$3500.00}. This was due to an shortage in my escrow. After struggling to make XXXX and XXXX mortgage I reached out to M & T for explanation as to why such a large storage. At first they claimed that my tax rates went up only by a few dollars not thousands. Then they stated there was an lean on my property. This was false. Then there was an outstanding water bill. I reach out to my water company also the county tax departments. There were no proof of any outstanding bill from the water or tax company. Today, XXXX of XXXX M & T continues to force me to pay an extra XXXX more on my monthly mortgage. I was serve with pre foreclosure papers.

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 monetary relief
Consumer complaint received 2019-12-04 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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At the beginning of XX/XX/2017, I opened a Bank of America checking and savings account. On XX/XX/XXXX, I deposited a final payroll check from my employer, made out to me, through the mobile app. After the date that the funds were supposed to be posted ( XX/XX/XXXX ), and my account balance was still {$0.00}, I called customer service and they said my check was flagged as fraud and my account was being closed. After going back and forth for 2 months, they said they would mail out a cashiers check for the full amount. They could not provide me a tracking number, estimated date I should expect the check in the mail, nor was it sent certified mail so didnt require an authorized signature to be released. It is not almost 3 years later, and I have not received any check or follow up.

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 monetary relief