vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-30 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}, {$130.00}, {$0.00}.

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 ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$780.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$130.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had fraud on my debit card in mid XXXX. I filed a claim with Chase and Chase is still refusing to refund my account for the fraudulent charge. The charge was for XXXX XXXX XXXX {$86.00}. IChase denied my claim. I filed a complaint with cfpb and they still with will not refund the charge. I DID NOT MAKE THIS CHARGE. I have not idea what XXXX XXXX XXXX is and I never done business with this company before. Please let Chase know I emailed a complaint regarding Chase to my local senator XXXX XXXX. I also emailed my local TV station 's tip line XXXX news XXXX regarding Chase 's misconduct. I did not make these charges and Chase is required by law to refund me. If Chase does not refund me my next step is too sue via small claims court. I also plan on continually filing cfpb complaints until my money is refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-30 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 been disputing an account listed on my report by XXXX XXXX XXXX with XXXX, XXXX  and XXXX for months. The account has come back verified each time. I asked how this information was verified and received no response. I was able to get reach out to XXXX XXXX XXXX and received information that the balance reporting on my credit reports is NOT accurate. 
Had the companies done an independent investigation and not relied on E-oscar, or had they verified that the reporting account was metro 2 compliant, then they would know that my concern is valid and the account should be removed immediately. 
This is a violation of the FCRA. All information reported should be 100 % accurate and verifiable.

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 2020-08-30 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: TX

Complaint narrative:
I have been disputing an account listed on my report by XXXX XXXX XXXX with Transunion, XXXX and XXXX for months. The account has come back verified each time. I asked how this information was verified and received no response. I was able to get reach out to XXXX XXXX XXXX and received information that the balance reporting on my credit reports is NOT accurate. 
Had the companies done an independent investigation and not relied on E-oscar, or had they verified that the reporting account was metro 2 compliant, then they would know that my concern is valid and the account should be removed immediately. 
This is a violation of the FCRA. All information reported should be 100 % accurate and verifiable.

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 2020-08-30 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 been disputing an account listed on my report by XXXX XXXX XXXX with XXXX, Equifax and XXXX for months. The account has come back verified each time. I asked how this information was verified and received no response. I was able to get reach out to XXXX XXXX XXXX and received information that the balance reporting on my credit reports is NOT accurate. 
Had the companies done an independent investigation and not relied on E-oscar, or had they verified that the reporting account was metro 2 compliant, then they would know that my concern is valid and the account should be removed immediately. 
This is a violation of the FCRA. All information reported should be 100 % accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After numerous attempts, Equifax is refusing to delete incorrect personal identifiers from my credit report. Names that are not my legal name and misspelled are listed and address that I have never resided in are listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX Citibank proceeded to decrease my credit limit. Reason not explained. Only explanation was they reviewed my credit report and used that information to re-evaluate my credit. I paid my credit down to be in good standing. Now it jeopardizes my credit rating as it puts me in a high credit usage standing. It creates an adverse credit score. I believe this was done on purpose to keep me in a high credit usage standing and provide an adverse credit score. This is not a good time for actions on XXXX  and for a COVID induced economy. Creditors should be grateful for people like me that have a job and havent missed payments and make payments. But then get penalized for a day late payment. Unfair practices. Its all run by a computer anyways ; there is no people involvement. Ive called the touchtone system to a series of just menu options. No human interaction.

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 2020-08-30 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$11000.00}, {$800.00}, {$2800.00}, {$390.00}, {$1800.00}, {$9000.00}, {$1300.00}, {$2500.00}, {$270.00}, {$900.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- INSTALLMENT LOANS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$900.00} -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 2020-08-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
HSN credit card closed recently without my consent witch it had negative impact on my credit report its been a very stressful time during covid 19 especially here in state of California why would the credit card close my account I have not used it because I at this time can't use it financially for me its not the right time to purchase items on HSN but there is no good reason for company to close 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 2020-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent had three collections accounts on its website in my name. I repeated disputed the accounts to no avail. I decided to settle the accounts clean up my credit reports and to move on with my life. 
The accounts are : XXXX XXXX XXXX XXXX ... XXXX ) ; XXXX XXXX XXXX  ( ... XXXX ) ; and XXXX XXXX XXXX  ( ... XXXX XXXX Resurgent offered 85 % discounts on the first two account ( that i did not have to pay ) and 50 % discount on the third account ( that I did not have to pay ). ALL THREE PAYMENTS WERE TO BE COMPLETELY DELETED FROM MY CREDIT CREDIT REPORTS.

Yesterday, Resurgent sent me letters saying that I still owed balances on the three accounts that I had already settled for IN FULL. 

Attached is the letter sent after I paid the third account with XXXX XXXX XXXX  XXXX ... XXXX ) for {$500.00} in which Resurgent stated clearly that it will contact the credit bureaus to DELETE the tradeline associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Performant Financial Corporation
State: PA

Complaint narrative:
As of XX/XX/2020 My Tax Return was taken from me due to XXXXt Student Loan. I was told that we would not lose our Tax Return this year due to Covid-19, I was going to get around {$2300.00} back and everything was taken. I am now trying to get back to work but without that money I am pretty much having to live and Friends and Family and  borrow money just to get by day to day ... I have not heard any word from the company that now has control over the loan amount ... I am pretty much living on the kindness of family to let me live with them until I can some how get back on my feet ... I would like to know why my tax return was taken if I was told it would not be ...

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 2020-08-30 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My zales credit card was closed without my permission it has impacted my credit report negative during this period of covid 19 virus I think it is best for me through this financially difficult time not to be purchasing any jewelry that does not give a reason for comenity / Zales credit company to report closed to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Recently my Zales jewelry credit card was closed without my permission during this financially difficult time because of the covid 19 I have not been able to use credit card that doesn't give credit card company to close my account and repo negative in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: Sunset Management, Inc
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-30 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: AR

Complaint narrative:
As for the past 19 years, I have been trying to fix a problem with all credit bureaus for miss using my SSN and creating a new identity with my daughter 's SSN number. The SSN number got switch while working for XXXX XXXX XXXX in the year on XX/XX/XXXX. Experian has sent me a letter after filing many complaints with CFPB and ignoring everything that has been submitted to Experian. Experian has put loans under my credit report that were not mine in the year XXXX with XXXX XXXX.After filing many complaints against Experian the company sent a letter asking for my personal information on XX/XX/XXXX, received on XX/XX/XXXX. This information has already been sent to Experian on XXXX XXXX, tracking number USPS tracking XXXX XXXX XXXX XXXX. I will not send any more information to any credit bureaus because of what has occurred to me for the past 19 years since XXXX, which is horrible to put me or my daughters in this situation. I have responded to every requested that has been asked of me, except this one because the information has already been generated to Experian in this matter through certified mail with a return receipt. I had credit monitoring insurance and both claims were not processed or I never knew the outcome of both claims number are as followed XXXX and claim number XXXX, which there were no results from either claim I filed on this day of XX/XX/XXXX.I know this is a duplicate, but the first one did not upload correctly, so I had to do this after discovering my upload documents did not upload.Thanks

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 2020-08-30 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: AR

Complaint narrative:
As for the past 19 years, I have been trying to fix a problem with all credit bureaus for miss using my SSN and creating a new identity with my daughter 's SSN number. The SSN number got switch while working for XXXX XXXX XXXX in the year on XX/XX/XXXX. Experian has sent me a letter after filing many complaints with CFPB and ignoring everything that has been submitted to Experian. Experian has put loans under my credit report that were not mine in the year XXXX with XXXX XXXX.After filing many complaints against Experian the company sent a letter asking for my personal information on XX/XX/XXXX, received on XX/XX/XXXX. This information has already been sent to Experian on XXXX XXXX, tracking number USPS tracking XXXX XXXX XXXX XXXX. I will not send any more information to any credit bureaus because of what has occurred to me for the past 19 years since XXXX, which is horrible to put me or my daughters in this situation. I have responded to every requested that has been asked of me, except this one because the information has already been generated to Experian in this matter through certified mail with a return receipt. I had credit monitoring insurance and both claims were not processed or I never knew the outcome of both claims number are as followed XXXX and claim number XXXX, which there were no results from either claim I filed on this day of XXXX XXXX know this is a duplicate, but the first one did not upload correctly, so I had to do this after discovering my upload documents did not upload.Thanks

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