vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX XXXX {$760.00} XXXX   XXXX  XXXX {$1200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX {$890.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX/XXXX  XXXX {$7900.00}

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 2020-05-12 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX {$890.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$5000.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX/XXXX  XXXX {$7900.00}

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 2020-05-12 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 personally filing this identity theft report because I was made aware of a child support account appearing negatively on my credit report today XX/XX/2020 when my credit was ran by the real estate agent that I am currently working with in order to buy a house. The account appears as XXXX XXXX XXXXXXXX XXXX XXXX  on my credit. This does not belong to me ; I have nothing to do with this child support account nor did I ever make any payments towards it. I spoke to someone from XXXX XXXX XXXX XXXX and the information they had regarding this account does not match any of my information therefor this account needs to be removed from my credit history because it is inaccurate/false information. I have also filed a complaint with the Consumer Financial Protection Bureau in regards to this child support account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: FL

Complaint narrative:
I opened an account with XXXX XXXX XXXX in XXXX ( approximately ). I had financial issues and was unable to pay of this balance in XXXX. They closed my account and wrote off the balance shortly after. Since this they have sold my account to numerous companies and it keeps Coming up on my credit report 15 years later saying that I am currently late on payments. I understand I defaulted on this account 15+ years ago, but I was under the impression it was only on my report for 7 years. I disputed this with Experian and they actually made it as if Im currently behind on payments like it was never written off. I am trying to get my credit and finances stable so I can eventually catch up on my past due 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 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
We applied for a home refinance on XX/XX/2020 with Cardinal Financial. We submitted all paperwork and additional requests for information in a timely manner. We locked in a good rate and were expecting to complete the process and close the loan in XXXX. This should have been a straightforward refinance as we have high credit scores, good loan to value, and secure jobs/income/ratios. However, Cardinal delayed in starting the appraisal and did not follow up to ensure appraisal was scheduled/completed in a timely manner. Then, the Coronavirus scenario started. Even so, appraisers were still working but Cardinal did not pursue getting our appraisal completed. Finally, we identified that there were appraisers working and asked Cardinal to find another company. Eventually, the appraisal was scheduled and completed. At the same time, Cardinal stated they were completing all other items such as title so that we could still close on time. This was not true because after the appraisal was completed, they told us about a title lien item that they had know about for a while. Once we were alerted on the details of the item, we were able to address and clear immediately. Throughout the entire time, Cardinal continued to extend our application and rate lock at no cost to us because none of this was our fault. Finally, on XX/XX/XXXX, all conditions were complete and ready for final underwriting. On XX/XX/XXXX, Cardinal declined to continue the loan process due to a policy change. After months of them dragging this out, we are now being told they will not complete the loan. We have wasted a lot of time and this is costing us thousands of dollars. We are now put in the posistion to start all over again with another lender. We are extremely dissatisfied with their lack of service to process this loan in a timely manner. If they had, we would not be in this position. We want them to honor their loan offer and rate since all of the delays are due to their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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 personally filing this identity theft report because I was made aware of a child support account appearing negatively on my credit report today XX/XX/2020 when my credit was ran by the real estate agent that I am currently working with in order to buy a house. The account appears as XXXX XXXX XXXX XXXX XXXX on my credit. This does not belong to me ; I have nothing to do with this child support account nor did I ever make any payments towards it. I spoke to someone from XXXX XXXXXXXX XXXX XXXX and the information they had regarding this account does not match any of my information therefor this account needs to be removed from my credit history because it is inaccurate/false information. I have also filed a complaint with the Consumer Financial Protection Bureau in regards to this child support account.

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 2020-05-12 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 personally filing this identity theft report because I was made aware of a child support account appearing negatively on my credit report today XX/XX/2020 when my credit was ran by the real estate agent that I am currently working with in order to buy a house. The account appears as County of XXXX XXXX Family on my credit. This does not belong to me ; I have nothing to do with this child support account nor did I ever make any payments towards it. I spoke to someone from XXXX XXXX County Family and the information they had regarding this account does not match any of my information therefor this account needs to be removed from my credit history because it is inaccurate/false information. I have also filed a complaint with the Consumer Financial Protection Bureau in regards to this child support account.

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 2020-05-12 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OR

Complaint narrative:
I received an Elan prepaid card from the Oregon XXXX. It has now been declined for the last 48 hours. The web-site is down and when I used the automated phone system, it said the 3 digit security code did not match their records. I have now been on hold for 25 minutes trying to reach a live agent. This may get resolved with Elan, but the fact that this happened at all is poor.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a signed legal deferment document from XXXX  for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX  's results corrected the XXXX payment and updated it to " paid-on-time. '' XXXX XXXX  results denied my request and the XXXX payment stayed as " 30-days-past-due. '' Equifax results not only denied my request but it now also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( XXXX, Equifax ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a signed legal deferment document from XXXX  for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX XXXX  results corrected the XXXX payment and updated it to " paid-on-time. '' Experian 's results denied my request and the XXXX payment stayed as " 30-days-past-due. '' XXXX  results not only denied my request but it now also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( Experian, XXXX ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.

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 2020-05-12 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been the victim of Identity theft due to several security breeches since XXXX there are now multiple companies including : XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies are report information not belonging to me I have reported this to my local authorities as well as the FTC. I have filed multiple disputes with all three credit reporting agencies. This is causing a social and financial strain on my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I filed a complaint with your agency CFPB against Medical Data Systems complaint ID # XXXX on XX/XX/XXXX my complaint stated that medical data systems has continued to place collection accounts on my credit reports reinserting changing account names or amounts slightly to slip by the credit reporting agencies. These collection accounts where on my XXXX  credit report XX/XX/XXXX after dispute and reinvestigation the accounts remained unchanged until I filed a complaint with CFPB and XXXX   and wrote a letter to Medical Data Systems informing them I was going to take legal action because of their deceptive and unfair collection practices. This collection agency attempted to collect on {$16000.00} with a total of 26 separate accounts all being medical. I am unsure if this is the companies attempt at defrauding the Veterans Administration because of my XXXX XXXX XXXX status, or just an attempt to defraud me personally. This complaint will be followed with a complaint to the Attorney Generals Office here in Texas and if nothing is done to prevent this from happening again to me or other Americans in general I will personally hire an attorney and see that this company answers for their deceptive and criminal ways of doing business.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX The account was to be REMOVED account was a account associated with Fraud of a Loan product that lead to loss of primary residence in 2007. 
I have written to XXXX XXXX XXXX XXXX, your agency and XXXX XXXX and Experian are still reporting this lowering my scores for years! Please reach out to them both I will attach the document which indicated the bank decision after the Fraud Case and The Federal Governments Decision to make XXXX XXXX XXXX XXXX correct the account. My problem is is this account was removed and placed back onto my Experian and XXXX XXXX Reports after all the years. This needs a resolution immediately.

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 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/2020, A US Marshal Imposter called me about a Supreme Court case in Texas against me on money laundering and drug trafficking. He said my case will be up in the court in 4 and a half hours. He said some of my personnel info. I started believing. He was on the phone with me for several hours. He convinced me to do an international wire transfer of {$46000.00} on the basis of he is working to clear my name on all the charges against me. He said this money goes to a custodian account which is linked to the US Embassy in XXXX. And promised to transfer the same amount of money back on my account the following day after clearing my name. He said If I don't do that, the US government will freeze my assets and arrest me and taken to Texas. 
I don't have any charges against me. I was scared someone is using my name to do criminal activities. 
I drove to the XXXX XXXX XXXX ky ( XXXX XXXX Branch- XXXX ) to do the wire. It was posted at XXXX XXXX. Its destination is XXXX XXXX, XXXX, XXXX, XXXX. 
Beneficiary - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX But I felt suspicious and called the bank at XXXX XXXX  to Cancel/Recall the transaction. 
XXXX XXXX  did put a recall in the transaction. 
Recalling/cancellation started within 1 hr 40 mins. 
I filed a complaint on XXXX at night. I was told the FBI called the XXXX XXXX about it the following day. 
I was told the wire went to the Chase Bank for Intermediary banking purposes. 
I didn't want my hard-earned money to end up in criminals ' hands. 
Despite it was flagged, I don't know why Chase Bank sent the funds to the beneficiary bank, The latest update - Chase bank had requested funds back from XXXX XXXX  XXXX. 
response from Beneficiary Bank - Don't know yet. 
My payment disclosure says funds will be available to pick on or before XX/XX/2020. 
Cancellation - I can get my funds back if the funds not deposited on the beneficiary account or not picked up by the beneficiary. 

I have a strong feeling that the funds had not gone to the beneficiary bank in 1 hour 40 mins. 
But Originating Bank ( In this case XXXX XXXX  ) does not have the traceability to track the transaction.

Company response to consumer: Closed with explanation