vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
unauthorized use of my credit 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 2021-07-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unauthorized Use Of Credit 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 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with LVNV Funding. Additionally, they did not provide me with the original application like I asked. I demand this account be deleted from my credit report. LVNV funding violated 15 USC 1692g when they did not provide me validation of this alleged debt. Additionally, they violated 15 USC 1681 a ( 4 ) which was an invasion of my consumer privacy, when they purchased my personal information. These are only a few illegal actions taken by LVNV. I am demanding they remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I reported a fraudulent purchase of {$9600.00} on my fidelity visa credit card for XXXX  XXXX. On XX/XX/XXXX, the credit was reversed on my card. This is despite the fact that I have never received XXXX  XXXX and never agreed to pay this XXXX  XXXX  for anything ever. I have never requested the services of this plastic surgeon nor any XXXX XXXX for that matter. Likewise, I have never signed any agreement with this XXXX  to pay for any services in my life. I have never even been to this XXXX XXXX office but I am still being held liable for the charge.

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 monetary relief
Consumer complaint received 2021-07-08 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: LJ Ross Associates
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
unauthorized use of my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NC

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Since Tuesday night my complaints escalated to a supervisor on this morning XXXX then appeared XXXX lied that I did not have a claim after Tuesday night around XXXX XXXX indicated I had a claim that would take 45 days to resolve and transferred me to claims which was closed. 

I talk to XXXX around XXXX today whom were very rude that I did not have a claim and hung up the phone in my face said she were in XXXX  XXXX. I then requested an supervisor to address both issues and XXXX said she are in Texas. I believe she lied when she said I did not have an claim on my unemployment ending XXXX. 

Fraud confirmation no. XXXX Fraud Services Department XXXX XXXX XXXX XXXX XXXX, Tx 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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Lexis Nexis is providing inaccurate information to XXXX  XXXX, and XXXX. Additionally, they are in violation of of 15 USC 1681 a ( 4 ) my consumers right to privacy. I have already spoken with the courthouses regarding my bankruptcy that was filed, and I know what they did not provide Lexis Nexis this information as they stated that they don't report information to anyone.Lexis Nexis illegally obtained my personal information in order to report to the three main bureaus. I demand this bankruptcy be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: IL

Complaint narrative:
I recently received a copy of my Experian credit report an it showed alot of inaccurate information specifically a bankruptcy. Sent letter to request method of verification received by Experian on XX/XX/21 with NO RESPONSE. Sent 2nd request for Method of verification received XX/XX/21 by Experian and on XX/XX/21 they replied with file # XXXX that the bankruptcy was certified as accurate by XXXX and certified as accurate again XX/XX/21 with file # XXXX. Appalled by this information I went directly to XXXX to verify the bankruptcy in there files and on XX/XX/21 the bankruptcy was deleted and removed from there files because it couldn't be verified. I sent the results of investigation to Experian stating there is no bankruptcy on XXXX files and they must also remove this inaccurate information from there file. Experian received the request to remove the bankruptcy along with a copy of the results from XXXX on XX/XX/21 and on XX/XX/21 file # XXXX and XX/XX/21 file # XXXX referencing the bankruptcy still on there file and it remains unchanged. Either Experian lied about verifying the bankruptcy or never sent the request to verify the validity of bankruptcy on there file. The bankruptcy was removed from XXXX file as of XX/XX/21. How can any report after that date still be referencing the bankruptcy on there files.

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 2021-07-08 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 {$4300.00}, {$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 ) -- CLOSED ACCOUNT 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Credit Card - Costco Anywhere Visa Card by Citi XX/XX/XXXX XXXX - Received via email a fraud alert for my card for {$6700.00} to XXXX, location : XXXX XXXX Status : Declined XX/XX/XXXX XXXX - Called Citi to inquire about alert and request card be changed. Original card deactivated at this point, and new card issued. Disputed above charges with the agent on the phone. 
XX/XX/XXXX - Logged into online account for CC and noticed 2 other charges : {$1800.00} - XXXX - date - XX/XX/XXXX {$1900.00} - XXXX - date - XX/XX/XXXX Contacted Citi again via phone to dispute these charges. 

XX/XX/XXXX - Noticed that online dispute status listed the dispute was closed and I am found responsible. Called Citi again and was told the dispute may have been entered incorrectly, and that it would be resubmitted. Agent recommended checking every few days. 
XX/XX/XXXX - Called citi and had the dispute again submitted/reclassified from a " billing dispute '' to a fraud claim. ( Honestly I am unsure what is correct here. ) - Received letter in mail detailing that the original claim was denied as I have used this card with the merchant XXXX XXXX XXXX previously and that this should be directed to them. ( This doesn't sound correct per what I have read about the FCBE ( Fair Credit Billing Act ) ) Per advice posted on the FTC 's website, I am going to write a letter to Citi detailing my claim.

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 monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: PA

Complaint narrative:
XX/XX/XXXX they claimed I owe them an application fee.. I called them and explained that it wasnt me me and how I was going to fiord a police report against them.. they told me they was send me a fraud packet.. u never received it I never applied to any apartments in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
Information on my credit report was not validated in time in 45 days & multiple disputes letters sent over 6 months. information in inaccurate on my credit report. Fair reporting Act was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had reported 10 disputed transactions back in XXXX of 2020 for which the merchant owes me credit. The bank has not credited these items to date. The bank claimed they are outside of the Visa timeframes, a time frame that is disputed by my attorney and confirmed by Visa USA. Per Visa this is my only recourse and this dispute function is the only redress available for my situation.

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 2021-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Synovus Bank
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items in my credit report and it has been more than 30 days and I have not received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NY

Complaint narrative:
Horribke experience I applied for the Llbean MasterCard and I called and they refuses to call me to verify me my fraud alert the line kept disconnecting then they say that since I had a closed account with ll bean I have to wait until XXXX when they never told me that this isnt fair the way I was treated I wish to be contacted by Citi executive office by phone to explain what happened further

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian allowed an unknown individual to access my Experian account, change my email address and to access my personal financial date to include my social security number. Experian did not try and contact me via email to inform me that my email address had been changed. 
When I found out about this, I contacted Experian and their response has been less than adequate. Experian has outsourced its customer service function to the XXXX, and even after I spoke with a supervisor named XXXX, they were at best rude. 
The individual who accessed my personal information made several attempts to obtain credit, but was so far ineffectual. However, my XXXX score has dropped from XXXX to XXXX. 
I want to bring legal action against Experian because of this. I did record my conversation with Experian and can provide you with a copy of the recording. 
My name is XXXX XXXX. Currently I am living in the XXXX, but because of this I will have to return to deal with this financial catastrophe. My email address is XXXX. My cell here in the XXXX 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 2021-07-08 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have reached out to XXXX, XXXX and XXXX  regarding gross inaccuracies on my credit report. I have yet to hear of the results or even have my inquiries responded to to date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items in my credit report and it has been more than 30 days and I have not received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have twice made the request that Experian provide me with a description of how the reinvestigation was conducted along with the business name, address, and telephone number of the furnisher of information, of a particular account being reported on my credit report. 

Experian repeatedly ignores my inquiry and re-inserts the disputed account on my credit report without providing the required verification supporting records or statements.

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