vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 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: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my 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 2020-09-12 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: GA

Complaint narrative:
Fraudulent inquiries, delete these inquiries they fraudulent and I do not recognize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have fraudulent accounts I want to dispute off my credit report, please dispute these accounts and do not add a fraud alert on my credit report. 


These credit cards are fraud, I want to dispute these as fraud XXXX    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian  notified me via my membership of a NEW collection acct called XXXX XXXX   XXXX - Amt XXXX There Address XXXX XXXX XXXX XXXX XXXX CA XXXX They List the original creditor is XXXX XXXX and then XXXX XXXX XXXX  in XXXX TX They list this debt to be XXXX ** This is MAIL AND WIRE FRAUD * FRAUD BY DECEPTION - XXXX  and XXXX XXXX Refuse to enter this fraud debt on my reports, EXPERIAN  is the only bureau to report=- Twice I have sent EXPERIAN  an FTC AFFIDAVIT of ID THEFT. 

I ask The CFPB step in and delete this from my Credit Bureau Immediately - I am XXXX, XXXX and have been since XXXX I phoned the manager at XXXX XXXX XXXX and they have no record of a XXXX XXXX XXXX XXXX 

The Stute of Limitations on said debt no matter who it was is expired in Texas This blatant Fraud has cost me thousands of dollars and I will seek legal relief 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 2020-09-12 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: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my 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 2020-09-12 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: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$540.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I purchased on order XXXX two XXXX XXXX from Wayfair on line. 
I received the product and had it installed. Upon reviewing the packing slip it showed that the product could cause cancer. This is on top of my kitchen table where my family sits everyday. I called and nothing happened. I filed a claim with the XXXX XXXX XXXX and someone called me and I was informed that they would take the product back and issue a refund. I explained to him that at that time the State of Illinois had shut down all the businesses and I couldn't get nor did I want someone at my house. He said that would not be a problem. However, in XXXX when I was able to get someone to have it down, I could not get anyone to return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase United Explorer credit card. On my XX/XX/2020, statement, I earned 10,001 XXXX miles ( 10,000 miles from Refer-a-Friend bonus and 1 mile from regular purchase ). However, only 1 mile has been added to my XXXX mileage account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: HI

Complaint narrative:
I received an email from Chime Bank saying that they closed my account for suspicious activities they never disclosed what these suspicious activities were and I have not been able to get in touch with a live human I only received automated responses and I don't have any access to any of my funds and we're in the middle of a pandemic and that's my only source of income and I don't have access to finances because they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and  making it hard in me and my family financially. I need this information removed from my credit as soon as possible.

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 2020-09-12 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: AL

Complaint narrative:
I have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and making it hard in me and my family financially. I need this information removed from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: AL

Complaint narrative:
I have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and making it hard in me and my family financially. I need this information removed from my credit as soon as possible.

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 2020-09-12 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: GA

Complaint narrative:
Fraudulent inquiries, delete these inquiries they fraudulent and I do not recognize these inquiries. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have fraudulent accounts I want to dispute off my credit report, please dispute these accounts and do not add a fraud alert on my credit report. 


These credit cards are fraud, I want to dispute these as fraud XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-12 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: GA

Complaint narrative:
Fraudulent inquiries, delete these inquiries they fraudulent and I do not recognize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have fraudulent accounts I want to dispute off my credit report, please dispute these accounts and do not add a fraud alert on my credit report. 


These credit cards are fraud, I want to dispute these as fraud XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2020-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I was notified via email that my TransUnion score decreased by 10 points. Listed under recent reasons for the change was a balance of {$55.00} on my credit card which has a credit limit of {$300.00}. That's 18 % utilization, 12 % lower than the recommended amount. When I called TransUnion the representative cited several reasons as to why my score could've changed. None of the reasons applied To my situation. I've had situations recently concerning the bureaus falsely decreasing my credit score. There is no legitimate reason to decrease my score. How is it legal to penalize someone with no cause?

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 2020-09-12 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-12 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: KY

Complaint narrative:
See attached papers sent with complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Under the CARES ACT I thought all student loans were in deferment? Yet NELNET is charging interstate 's to my accounts currently. I was on deferment plan and was never contacted on the update to what would be done under the CARES ACT with the loans so I assume the law protected interest being added to the accounts currently until year 's end. Also I have a persons name unrelated to myself or family that has his loan information mail being sent to my house. Are the accounts crossed? I show the balance being paid off yet I'm being billed still?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I sent a letter to all 3 bureaus regarding inaccurate items on my credit report. Now it's XXXX and I've yet to receive a response nor those items removed. I dont really know how to file disputes but after all of this time it seems like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my report. It has been well past that time frame and I demand these items be removed immedately or I will be forced to file for litigation. This is my second time dealing with a credit bureau. The first was when the Equifax data breach occured and I was afraid my information may have fell into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX continues to report inaccurate information to my consumer credit file. When I log in to XXXX XXXX XXXX the account immediately reflects a balance of {$1300.00}. XXXX continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. I reached out to XXXX again today with my supporting documentation and XXXX ignored their very clear balance errors they instead responded by saying to call XXXX. I have attached supporting documents and have disputed the multiple errors that XXXX has reported on my account with Transunion several times. Under the provisions of the FCRA Transunion has a duty to ensure that the information being reported to my consumer file is accurate. XXXX is also reporting a XXXX late payment that is not accurate.

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 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello please help. 

I have 3 concerns.

Dispute ; 1 Experian is reporting my closing date with XXXX XXXX XXXX  card on XX/XX/XXXX when it is ( XX/XX/XXXX ) I have notified Experian with a letter of proof from XXXX  XXXX 5 times online and 3 times via letter and they refuse to correct my closing date. Also XXXX & XXXX in not reporting this ctedit line at all and needs to add it. 

Dispute2 All three credit bureaus is reporting 4 late charges XXXX, XXXX, XXXX, XXXX of XXXX on my credit report where XXXX cleared the discrepancy abd provided me a letter which they have having all the late fees removed but no change has been updated. Ive made 4 attempta with a letter from the merchant

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