vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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:
The reporting agencies are mistakenly using the credit card of another as if it was my own. 
My name is XXXX XXXX XXXX and my age is XXXX. They are mistakenly showing the credit card as owned by me. It is not and is the card of XXXX XXXX XXXX an accountant in another town. I live in XXXX XXXX and he in XXXX. The credit reports also show me as an employee of his in XXXX. I have never worked in his business or for him. 
The credit bureaus show I obtained this credit card about 9 years ago are in error. This is not my card and therefor I could not have used it. XXXX XXXX XXXX has confirmed to me that it is his card. I have filed complaints with Transunion at least six times and the others as well. I have been told each time that it is my account. I do have a credit card with XXXX and the last numbers are XXXX. I have had this card about 4 years and rarely use it. 
Please help as this if painful and very difficult for me and I have spent many sleepless nights. 
Thank you very much. XXXX 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 2020-06-27 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 at XXXX XXXX today XX/XX/2020 and I applied to see if i could finance a diamond ring, however, when they ran my credit I was told that I was not approved due to having an account in negative standing appearing on my credit history. I had no idea what account they were talking about so I looked through my credit report and I saw an account from XXXX XXXX for an amount of {$1600.00} in negative standing. This account is not mine mine ; I did not open it nor did I allow anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this unauthorized 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 2020-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX was paid off on XX/XX/XXXX. I received a pay off letter from SANTANDER CONSUMER USA, which has {$550.00} XXXX dollar class action lawsuit. The letter states the loan is paid off but does NOT represent a lien release. Ive been calling them for years and either I can never get through or they say that they will process the proper title to my car. Today, XX/XX/XXXX, I went to XXXX to run a title search on my car and it still shows SANTANDER CONSUMER USA as the lien holder. Upon XXXX And XXXX search, I see there are many Complaints over many years about this company not releasing title. I need to sell the car. 

There has to be an organization that can help consumers that are being ripped off by financial institutions. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a customer for over 25 years with multiple Citi credit cards and limits for those cards of up to over {$20000.00}. All cards were always paid full and on time automatically. All of a sudden all my Citi cards were canceled without warning and reason, throwing decades of payment arrangements into disarray. I have spent hours trying to get an explanation and have still not been given one. Unbelievable.

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 2020-06-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They do not provide company information and sound fishy. Have contacted facebook friends and family..extended family and personal friends. This is against the law!! These calls need to stop. They mention my home address to everyone. This is scary!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
CFPB Case Number XXXX, Case # XXXX. 

Ocwen Loan Servicing, llc, now PHH Mortgage Services ( " OCWEN '' ) was named as beneficiary in a limited trustee sale guarantee policy issued by XXXX XXXX. Customer Reference : XXXX Order No. : XXXX. Dated : XX/XX/2014. Name of Assured XXXX, XXXX, As Trustee, and Ocwen Loan Servicing, LLC as Beneficiary. Issue : A foreclosure was informed was completed by XXXX XXXX XXXX XXXX XXXX, the trustee on XX/XX/2014. XXXX XXXXXXXX XXXX XXXXXXXX XXXX has stated under penalty of perjury that it paid off Ocwen to satisfy the obligation and the reason for the trustee sale. I am not in receipt of acknowledgment of the payoff from Ocwen specifically stating that it received the payoff. REQUIRE Ocwen and its successor PHH Mortgage  Services to confirm or deny it received payment from XXXX XXXX XXXX XXXX  XXXX, trustee sometime on or after XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-06-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I looked up an customer service number for cash app and received a number from cashapphelp.com i called to raise my daily cash limit i was prompted to download quick view support were the rep was to walk me through steps to access a higher limit but the rep ended up transferring all my available funds of XXXX then was able to access my husband cash app as well and transfer all the money out of his account totaling in XXXX from both accounts there is no number to call back and our funds was transferred to and unknown account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i had been a customer for citibank and they wrongly closed my credit card based on non-usage, they swallowed my thank you point of XXXX and now due to a wrongly issued delinquency on my credit report which says its paid. they have denied me another credit card.

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 2020-06-28 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:
There is an account from XXXX XXXX  on my credit report that is not mine. The only reason I even found out about this account is because I was denied from. getting a personal loan at XXXX today XX/XX/27. I did not open this account and I did not give anyone permission to open this account in my name. I am not affiliated to this company in any way nor did I benefit anything as a result of this account such as money, goods, services or any other benefit nor did I ever make any payments that might have been made towards this account. I have already filed a police report regarding this unauthorized 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 2020-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
To whom it may concern : While reviewing my credit profile recently via XXXX XXXX, I discovered an entry from a company by the name of LTD acquisitions. After making many calls trying to determine where this came from/what is was possibly about I came up 100 % empty handed. 

After attempting to find out where this came from, and being referred to ( typically the same phone number where I began. 

I have been a victim of identity theft at least twice, I have to assume that is what this is all about? 


Thanks you in advance for your consideration! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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:
There is an account from XXXX XXXX on my credit report that is not mine. The only reason I even found out about this account is because I was denied from. getting a personal loan at XXXX today XX/XX/27. I did not open this account and I did not give anyone permission to open this account in my name. I am not affiliated to this company in any way nor did I benefit anything as a result of this account such as money, goods, services or any other benefit nor did I ever make any payments that might have been made towards this account. I have already filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
my car was stolen i reported to police, insurance, and finance company. i also had gap insurance. my car was recovered and nation wide had it deemed a total loss. next thing i get from fiance company saying they sold my car and canceled gap and got my premiums from gap when the insurance company had my car in there possession when fiance company said they sold it. how is that possable and i was never notified of said auction i was under the assumtion that my insurance company and gap took care of everything. the insurance company had my car not me now credit acceptance reports i owe and my car was repo when that is a lie Case Number : XXXX, XXXX XXXX Disposition Date : XX/XX/2018 Disposition : Inactive Occurred Thru : XXXXXX/XX/2018 XXXX Occurred From : XX/XX/2018 XXXX Incident Type : Motor Vehicle TheftXXXX County Sheriff Summary Case Number : XXXX Print Date/Time : Login ID : XX/XX/2018 XXXX XXXX County Sheriff 's Office XXXX XXXX   Number : 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 2020-06-28 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: CA

Complaint narrative:
To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., Experian, XXXX, XXXX  XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to Experian, Experian, and XXXX  on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, Experian, XXXX, and XXXX  have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

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 2020-06-28 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: MD

Complaint narrative:
I am being charged {$1300.00} for an apartment i never lived at. Someone has rented out an apartment using my information. This account was opened fraudulently in my name. I am currently on XXXX XXXX in Washington, DC and not in Georgia

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 2020-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Yesterday, XX/XX/XXXX, a company fraudulently tried to extort {$3200.00} from me. Then the lady, XXXX XXXX, Supervisor, said I could pay {$680.00} by Monday, XX/XX/XXXX to not be subpoenaed ( with or by ) XXXX County or for me to have to get an attorney and go to court. I do not know anything about this issue. She was threatening me with the attitude, " pay up now ''! Via phone she said this was " reported in XXXX. '' She said they sent letters to me, and I never received any letters she suggested they sent. This was extremely upsetting to me. I obey the law and do not have any credit issues. I am on Social Security. I felt harassed and that she was pushing to take advantage of me. She did say that XXXX. XXXX  was a legal firm, and the Creditor was US Bank! She was a fast talker and had me in knots. 
I did give her my email address, so she could send their letter to me on XX/XX/XXXX. It shows on their letterhead, XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, phone XXXX. That letter they sent to me via email will not print, and it won't allow me to forward the letter either. Their phone number shows up as TxTag, where people can pay for highway tolls in TX! I believe this is fraud and I.D . theft. Please help stop this fraud against 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 2020-06-28 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE DEROGATORies WHICH HAVE BEEN TARNISHING MY CREDIT FILE, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I ran out of gas on the side of the road. I parked my XXXX XXXX XXXX XXXX XXXX  and walked to the gas station to get gas. Upon returning someone has ran into my van totaling the vehicle. I know longer have possession of the vehicle the person who hit my vehicle insurance company has the vehicle. I contacted Chrysler capital and informed them of what happened to the vehicle and requested a courtesy adjustment to have the vehicle balance off my credit reports as I know longer have access to the vehicle and XXXX XXXX will submit a check for the value of the vehicle. Under the fair credit reporting act companies are required to report accuracy information as I no longer am responsible for the vehicle it should be removed from my credit reports immigration

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: MD

Complaint narrative:
I am being charged {$1300.00} for an apartment i never lived at. Someone has rented out an apartment using my information. This account was opened fraudulently in my name. I am currently on XXXX XXXX in Washington, DC and not in Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: MD

Complaint narrative:
I am being charged {$1300.00} for an apartment i never lived at. Someone has rented out an apartment using my information. This account was opened fraudulently in my name. I am currently on XXXX XXXX in Washington, DC and not in Georgia

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 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
Never heard of this Sagestream llc consumer report. Was denied a vehicle purchase due to their WAY lower score than what I have with other agencies. Went to get my report from the company and they refuse to release my info and give me my credit score unless i SEND them hard copies of my personal information such as my driver 's license and social security card. This opens me up to huge risk i should NEVER have to do. They are reporting WAY lower scores with no way of getting the info unless they get your private information first.

Company response to consumer: Closed with explanation