vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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 was made aware of some suspicious accounts and inquiries that are on my credit report today XX/XX/2020 because I was turned down from getting an auto loan with XXXX XXXX. I found several accounts and inquiries on my credit report that do not belong to me ; I did not open any of the accounts listed on this report nor did I allow anyone to open these accounts in my name. I am not affiliated to any of these companies and I did not benefit anything from these accounts such as money, services, goods or anything else and I did not take part in any purchases or payments made towards these accounts. I have filed a police report and a complaint with the CFPB in regards to 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 2020-05-05 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 was made aware of some suspicious accounts and inquiries that are on my credit report today XX/XX/2020 because I was turned down from getting an auto loan with XXXX XXXX. I found several accounts and inquiries on my credit report that do not belong to me ; I did not open any of the accounts listed on this report nor did I allow anyone to open these accounts in my name. I am not affiliated to any of these companies and I did not benefit anything from these accounts such as money, services, goods or anything else and I did not take part in any purchases or payments made towards these accounts. I have filed a police report and a complaint with the CFPB in regards to 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 2020-05-05 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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$29000.00} XXXX XXXX {$7600.00} XXXX XXXX {$300.00} XXXX 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 2020-05-05 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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$29000.00} XXXX  XXXX {$7600.00} XXXX  XXXX {$300.00} XXXX 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 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I paid the amount of {$420.00} to the XXXX XXXX XXXX XXXX XXXX XXXX ( Missouri ) on XX/XX/2020, which was posted on XX/XX/2020. 

I received correspondence from the debt collector Account Resolution Corporation on XX/XX/2020, regarding this paid debt, attempting to collect. 

Please see the attachments regarding this issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX {$930.00} XXXX XXXX FKA XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
During the COVID 19 Emergency, 1. ) ( SPS ) Select Portfolio Servicing ( AND XXXX XXXX XXXX Trustee ) has refused our request for Forbearance during the COVID 19 Emergency Period on ; XX/XX/2020, XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020. 
2. ) The foreclosing attorney for the Plaintiff, XXXX XXXX, XXXX  ( Trustee ) Select Portfolio Servicing on XX/XX/2020, XX/XX/2020 and XX/XX/2020 contacted us via email through our attorney offering us money to vacate our sole/primary residence. We did not ask for a relocation settlement/assistance as this a contested foreclosure. The repeated solicitations for us to vacate our residence using financial enticement of {$10000.00} during the COVID19 Emergency Period is abusive, cruel, reckless and has caused our family severe emotional distress. 
Servicer : : Select Portfolio Servicing ( Loan # XXXX ) Trustee : : XXXX XXXX, XXXX  ( XXXX XXXX XXXX Trust Services ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/2020, XXXX After checking my email I noticed hundreds of unauthorized emails saying " thank you for your subscription ''. Right away I knew my email had been compromised and knew to check my bank account. A fraudulent charge of {$550.00} was made ( XX/XX/2020 ) on XXXX for a ceiling fan. I have since shut off my card and filed a claim with Wells Fargo and XXXX. I have no idea how my card information was obtained by someone else to make this purchase and would like to see this money back in my account soon. I am currently out of a job and need this money. I was not promised a return and the claim will take a long time to process. Please help 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 2020-05-05 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:
was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from 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 2020-05-05 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:
was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from 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 2020-05-05 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX   XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2020-05-05 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX   XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Someone else 's credit information is reporting on my credit reports. I sent a copy of a police report and my ID to the credit reporting agencies in XX/XX/XXXX and they not only denied that my claim was legit but initially the issue was only on one report but now " the agency that made the mistake '' has uploaded this information on all 3 reports. The person whose information they are reporting lives in a  completely different state and owns a home and several other accounts that are now reporting on my credit reports, and this is keeping me from purchasing " my own home. '' I have located the persons full social and date of birth which was a typo by the credit reporting agencies because their social is one digit off from mine and their date of birth is two days after mine. I want my credit reports fixed so that this persons information is removed from my reports. I submitted my dispute originally in XXXX of XXXX and as of XX/XX/XXXX the issue has still not been rectified.They even have a company listed on my report as my employer and I have never heard of or worked at this company because " it is not me ''.

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 2020-05-05 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: GA

Complaint narrative:
Someone else 's credit information is reporting on my credit reports. I sent a copy of a police report and my ID to the credit reporting agencies in XX/XX/XXXX and they not only denied that my claim was legit but initially the issue was only on one report but now " the agency that made the mistake '' has uploaded this information on all 3 reports. The person whose information they are reporting lives in a completely different state and owns a home and several other accounts that are now reporting on my credit reports, and this is keeping me from purchasing " my own home. '' I have located the persons full social and date of birth which was a typo by the credit reporting agencies because their social is one digit off from mine and their date of birth is two days after mine. I want my credit reports fixed so that this persons information is removed from my reports. I submitted my dispute originally in XXXX of XXXX and as of XX/XX/XXXX the issue has still not been rectified.They even have a company listed on my report as my employer and I have never heard of or worked at this company because " it is not me ''.

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 2020-05-05 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: TX

Complaint narrative:
I sent a dispute Starting XX/XX/XXXX to the Bureaus saying that the info was inaccurate and reported wrong, and wanted to them to update to paid as agreed. They just keep saying its verified without saying how or who verified 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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a dispute Starting XX/XX/XXXX to the Bureaus saying that the info was inaccurate and reported wrong, and wanted to them to update to paid as agreed. They just keep saying its verified without saying how or who verified 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 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Some people used my las name but with diferent secund las name 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 2020-05-05 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:
SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020, I received an email from someone using the name XXXX XXXX offering me a work from home position as an Administrative Asst/Data Entry. 



She invited me to converse with her for the interview on XX/XX/2020 at XXXX CST on a Glip app which I downloaded on my PC. 

At the end of the 2 1/2 interview she said she would speak with HR Dept to see my results. She sent me a letter to say I was successful. 

On a letterhead saying it was XXXX, the HR dept then asked me to forward my Driver 's License ID and to fill out my W4 ( which incidentally included my SS # information ). 


She again pre interviewed me. Again saying she would speak with HR to get my results. The next day she came back on XXXX/XXXX XXXX XXXX to say I was successful and she was going to send me a check for my home equipment purchase. 

A cashier 's check in the amount of {$3900.00} was sent to my home address of which I was to deposit in my personal back account. The next morning Thursday, XX/XX/XXXX she directed me to pay {$2000.00} to a merchant ( well known supplier named XXXXl / XXXX XXXX - XXXX Tag ) on XXXX XXXX ; and {$1900.00} to a XXXX XXXX, Email : XXXX on XXXX. I did this. She said the {$50.00} remaining was a bonus to me for my time in interviewing. 



On Friday, XX/XX/2020 she directed me to pay a total of {$3200.00} in 2 parts through my XXXX account I have with Bank of America : One in the amount of {$1500.00} to a XXXX XXXX - {$1500.00}, Email : XXXX The other {$1700.00} to a Cartel, Email : XXXX through XXXX which I did. 

She said the purpose of this was to hasten the office equipment to me so I could begin training on Monday, XX/XX/2020. 

She ( XXXX XXXX ) said I would be reimbursed of the {$3200.00} on XX/XX/2020 with a check she would send from the Finance Dept of XXXX. She sent me an attached letter to the same on Friday evening, XX/XX/2020. 


I had looked the name up of XXXX XXXX and saw she worked for XXXX so I thought the whole process was credible. 


However on Saturday, XX/XX/2020 when I checked my bank account I saw that the cashier 's check of {$3900.00} drawn on XXXX XXXX bank was returned for insufficient funds. When I called my bank they said the check was fraudulent. 



At this point, I have been stolen a total of {$7100.00} - {$3900.00} ( fraudulent cashier 's check sent on XX/XX/2020 ) and {$3200.00} ( stolen from my bank account through XXXX transfer on XX/XX/2020 ) and I want to know how can I recover my money.

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 2020-05-05 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was at awe seeing things reported that should not be there. Please heade to my letters.

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 2020-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, I am writing in regard to {$8000.00} which is currently missing from my bank account. I will try my best to provide a timeline as followed : XX/XX/XXXX I sent {$8000.00} to BMO Harris from XXXX XXXX. The money was not immediately received and so I had to open a claim with XXXX. They provided me with a temporary credit. Afterwards, the credit was reversed. On XX/XX/XXXX, {$8000.00} was deposited into my BMO Harris account. On XX/XX/XXXX, the {$8000.00} was reversed back to XXXX. This is all the information that I have access to according to my bank statements. 

I am beyond upset at the lack of help and understanding that I have gotten from both XXXX and BMO Harris. Every time I have called, both banks tell me that they don't know where my money is and that the other bank most likely has it. Today, XX/XX/2020 I called and spoke with a representative from BMO Harris and he told me he would look into it and give me a call back. I have not received a call and now he is not picking up his phone. I spoke with a representative from XXXX on XX/XX/XXXX, and she told me that their records show that the money was transferred back to BMO Harris and that XXXX no longer has it. 

This {$8000.00} is all of my savings up until this point and I can not afford to hire a lawyer to help me. I don't know what to do or what my next step would be. 

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 monetary relief