vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 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: TN

Complaint narrative:
ACCOUNT WAS OPEN WITHOUT MY KNOWLEDGE

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 2020-02-27 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: TN

Complaint narrative:
ACCOUNT WAS OPEN WITHOUT MY KNOWLEDGE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
In XXXX I took out a loan with Rapid Cash and paid half that debt. I was left with owing them {$270.00} which I didn't pay and it went into collections and has been on my credit for the last 2 years. I haven't had contact with Rapid Cash since XXXX. As of XX/XX/XXXX Rapid Cash forged a cashiers check in my name with my banking information and paid themselves {$270.00} without my authorization. I filled a fraud claim with my bank and they put a block on my account and are investigating it. I'm filling a police report too. I called Rapid Cash to get the person who illegally forged a check in my name, they were unable to give me that information. When I spoke to the lady who works at Rapid Cash she said they haven't been able to get ahold of me and are allowed to do that. Forging a cashier check without authorization on a 3 year old loan that has been on my credit for 2 years is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: OH

Complaint narrative:
TRANSUNION IS CURRENTLY REPORTING AN ACCOUNT BY XXXX/ XXXX ON MY TRADELINES ; THE ACCOUNT IS CURRENTLY REPORTED PAST DUE AND CHARGED OFF. I CALLED XXXX AND SPOKE WITH XXXX WHO IS A SUPERVISOR WITH THE COMPANY ; I SPOKE WITH XXXX ON XX/XX/2020 AT XXXX IN REGARDS TO THIS ACCOUNT THAT TRANSUNION IS REPORTING. XXXX CONFIRMED WITH ME THAT XXXX/XXXX  CONTACTED THE CREDIT BUREAUS TO HAVE THIS ACCOUNT REMOVED FROM MY TRADELINES BECAUSE THE ACCOUNT HAS BEEN REPORTED WRONG. 
I HAVE DISPUTED THIS INFORMATION WITH TRANSUNION ON SEVERAL OCCASIONS ; TRANSUNION ALWAYS STATE THAT THEY HAVE VERIFIED THE INFORMATION AS BEING REPORTED AS ACCURATE. THERE IS NO WAY THAT TRANSUNION COULD HAVE PROPERLY VERIFIED THIS INFORMATION ESPECIALLY SINCE XXXX  AND XXXX  IS NO LONGER REPORTING THIS ACCOUNT AS THEY HAVE MADE THE CORRECTION. TRANSUNION ALWAYS STATE THAT THEY VALIDATE AND VERIFY THE INFORMATION THAT THEY HAVE REPORTED. XXXX FROM THE COMPANY STATED THAT ALL OF THE CREDIT BUREAUS WERE NOTIFIED ON XX/XX/2020 INCUDING TRANSUNION AND SHE DOES NOT KNOW WHY TRANSUNION WON'T REMOVE THE ACCOUNT ; THESE CALLS WERE RECORDED AS WELL IN THE EVENT OF LITIGATION. 
TRANSUNION NEVER FAIRLY INVESTIGATE DISPUTES AND CONTINOUSLY REPORT INCORRECT INFORMATION ON THEIR REPORTS. I NEED LEGAL ASSISTANCE WITH TRANSUNION ESPECIALLY SINCE THEY ARE NOT FAIRLY INVESTIGATING OR REPORTING INFORMATION ; PLEASE INITIATE AN INVESTIGATION ON HOW TRANSUNION IS CONDUCTION THEIR DISPUTES.

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 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Hello, There are two charges for pay-off letter when I was closing the loan with FalgStar Bank. 
The first one was made on XX/XX/2020 ( and I was aware of this ; this was made by my new lender ). 
The second one was made on XX/XX/2020, and I do not know who made that request. When I asked the rep over the phone on XX/XX/2020 to give me the information of who made that request, she was unable to give me that info ( there was no info ). 
So, before I closed the loan I called them and waiver was applied to one of the charges. Then I was told that a check will be mailed for this charge ( {$30.00} ). 
Last time I had a chat with a rep on XX/XX/2020, she told me that the waiver was approved, but you are not going to receive a check simply because the loan is inactive. 

Ticket # for this is : 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 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My personal information should read as follows on all consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2020-02-27 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: NV

Complaint narrative:
I am XXXX XXXX military and I see accounts showing on my profile I did not open

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 2020-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I am a victim of Identity Theft. The following fraudulent account was removed from my credit report and now it is re-reporting : Office of Attorney General Opened : XX/XX/2005 Amt. XXXX Credit Bureaus if they re-insert a removed item from your credit report without notifying you in writing within 5 business days. 

Consumer protection afforded by the FCRA. 

FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Fine: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 2020-02-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I am a victim of Identity Theft. The following fraudulent account was removed from my credit report and now it is re-reporting : Office of Attorney General Opened :  XX/XX/2005 Amt. XXXX Credit Bureaus if they re-insert a removed item from your credit report without notifying you in writing within 5 business days. 

Consumer protection afforded by the FCRA. 

FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Fine:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: CIG FINANCIAL LLC
State: TX

Complaint narrative:
i have unauthorized inquiries on my credit report i have reached out regarding inquiry and i either get no response or unable to locate file but no one has taken the initiative to remove they unauthorized inquiring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
i have unauthorized inquiries on my credit report i have reached out regarding inquiry and i either get no response or unable to locate file but no one has taken the initiative to remove they unauthorized inquiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: CA

Complaint narrative:
I applied for XXXX XXXX today XX/XX/20 and I did not get approved because of some accounts with negative payment history on my credit report. I reviewed the accounts and I came to the conclusion that none of them belong to me. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I did not make any payments towards any of these accounts nor did I benefit anything such as money, goods, services or any other benefit as a result of these accounts that were opened on my behalf. I have already filed a police report as well as a complaint with the CFPB regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information should read as follows on all consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 non-monetary relief
Consumer complaint received 2020-02-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Inquiry made without my knowledge or consent XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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:
I applied for XXXX XXXX today XX/XX/20 and I did not get approved because of some accounts with negative payment history on my credit report. I reviewed the accounts and I came to the conclusion that none of them belong to me. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I did not make any payments towards any of these accounts nor did I benefit anything such as money, goods, services or any other benefit as a result of these accounts that were opened on my behalf. I have already filed a police report as well as a complaint with the CFPB regarding 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 2020-02-27 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 applied for XXXX XXXX today XX/XX/20 and I did not get approved because of some accounts with negative payment history on my credit report. I reviewed the accounts and I came to the conclusion that none of them belong to me. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I did not make any payments towards any of these accounts nor did I benefit anything such as money, goods, services or any other benefit as a result of these accounts that were opened on my behalf. I have already filed a police report as well as a complaint with the CFPB regarding 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 2020-02-27 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: NV

Complaint narrative:
I am XXXX XXXX military and I see accounts showing on my profile I did not open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NV

Complaint narrative:
I am XXXX XXXX military and I see accounts showing on my profile I did not open

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 2020-02-27 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: Westlake Services, LLC
State: TX

Complaint narrative:
i have unauthorized credit inquires on my credit report, i have sent in letters to merchants who can never locate a account and i have sent letters to credit bureaus who tells me to reach out to merchant with no ACTIONS taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: IL

Complaint narrative:
This fraudulent account showed up on my credit report and I want this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: IL

Complaint narrative:
This fraudulent account showed up on my credit report and I want this to be removed 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 non-monetary relief
Consumer complaint received 2020-02-27 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: ACS Education Services
State: CA

Complaint narrative:
My credit report lists an active installment account with ACS/XXXX  for {$23000.00}. My account was transferred to XXXX, in which I paid off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander Account number XXXX. I tried to buy a car on XX/XX/2020 everything was good ready to print documents to buy the car however Santander showed on my credit report that I owe them money. From the dealership I called Santander to find out what was owed on the account and why. The amount owed on a loan is {$880.00}. I was told the balance due is a result of the insurance company XXXX, gap insurance and a warranty payment being paid late. I called again on XX/XX/XXXX the agent explain to me the balance due on the account is from late payment and interest charges. I requested a copy of a full statement of my account showing payments that were made. I received a statement on XX/XX/2020. I called Santander to discuss the payment that they showed that is due on the account. The XXXX explain to me that I had to pay the balance due in order to close the loan. Since this is showing on my credit report I can not buy a new car until it is paid. I borrowed the money to pay the balance owed off 2 Santander. I am on XXXX I don't have much money per month and can not afford expenses like this. I have used car insurance in the past and have had no problems with gap insurance satisfying the loan to show a XXXX  balance. I believe Santander is charging me for things they should not. Please have this resolved please help me get it resolved I need help my XXXX affects my thinking and I need help to resolve this. I need to buy a new vehicle and can not do so until this is removed from my credit report. Since this is shown on my credit report it has pulled my score down very low. I have worked hard to maintain a good standing with my credit and this has ruined it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
i have unauthorized credit inquires on my credit report, i have sent in letters to merchants who can never locate a account and i have sent letters to credit bureaus who tells me to reach out to merchant with no ACTIONS taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
i have unauthorized credit inquires on my credit report, i have sent in letters to merchants who can never locate a account and i have sent letters to credit bureaus who tells me to reach out to merchant with no ACTIONS taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is a second complaint to the initial one submitted in XX/XX/2019. BofA called me to tell they would not be refunding me the XXXX because the fee is disclosed in the terms and conditions. I told them it's DECEPTIVE TO DISCLOSE A FEE OF {$1.00} AND THEN CHARGE ME {$3.00}. Apparently they think we all have time to review the terms and condition to try to find the accurate fee of {$3.00} when the screen says {$1.00}. I want my {$2.00} or will file a class action suit on behalf of all the customers that have lost {$2.00}.

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 2020-02-28 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: MI

Complaint narrative:
I tried Experian product Experian Boost. Experian falsely advertise Experian Boost only looks for utility bills like cable, light, gas, phone and water bills. On XXXX XXXX Experian Boost put a rental agreement on my credit report causing a 30 point decrease in my credit score. Sent document of my credit report showing Experian Boost has added XXXX XXXX to your credit report. For {$780.00} plus {$1000.00}. 
Experian Boost illegally open a XXXX XXXX account in my name called XXXX XXXX. I have tried several times asking Experian employees and supervisor to remove this account and give me back my 30 credit points. They tell me it is impossible for Experian Boost to add the account even when they see it on my credit report. 
The way Experian Boost work you go to the website you enter your credit card number the system search for the bank and utilities in your name then it will give you some credit points. It does not allow an individual to add any other information not even your name. 
Experian told me to ask the company to remove it. I did but they state they can not because they did not add it on my credit report. 
Experian keep stating to me they do not know how Experian Boost added the fake account to my credit report but they are not going to remove it.

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