vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 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: TX

Complaint narrative:
These accounts are not mine. They are inaccurate information, and need to be removed immediately from Experian, XXXX, and 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 2020-10-27 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: MO

Complaint narrative:
I'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX/ XXXX  {$71.00} 2. XXXX  {$100.00} 3. XXXX XXXX XXXX {$470.00} 4. XXXX XXXX XXXX {$83.00} 5. XXXX  {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: MO

Complaint narrative:
I'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX ss {$71.00} 2. XXXX {$100.00} 3. XXXX XXXX XXXX  {$470.00} 4. XXXX XXXX AU {$83.00} 5. XXXX {$760.00}

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 2020-10-27 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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 ) 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 ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-10-27 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I filed a dispute with Citibank on a purchase that was made with a travel agency. When Covid began, I asked the travel agency what my options were. The agent explained to me that if we were to cancel, we would get a credit and I explained that I did not want to do that. The next day I looked at my flight status and my booking no longer existed. I contacted XXXX XXXX, who we were to fly with, and they said that our flight had been cancelled by the travel agency. We filed a dispute with Citibank because the flights were cancelled without our permission. We sent in the emails that clearly stated that we did not want to cancel our flights and the travel agency admitted to cancelling our flights without our permission. If they had not cancelled our flights, we would have received a refund from XXXX XXXX because they had added an extra layover to our flight regardless. We had to reopen the dispute multiple times and this past time we received a letter stating that " We no longer have any available means to assist you in this matter since the time frame in which to resolve a dispute has passed. " I truly believe that if CitiBank would have read the documents and followed up with the dispute, they would have seen that what was done to us was fraudulent. We did not go on our trip. Our flight was cancelled without our permission by the travel agency. That money is rightfully ours.

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 2020-10-27 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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 ) 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 ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-10-27 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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 ) 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 ACCOUNT 1. 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 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
I noticed on credit report I keep getting the same debt reported it is on my experience account 3 times for XXXX XXXX XXXX. 
I do not owe this amount to XXXX XXXX  of XXXX Il XXXX. 
I am being charged after giving correct amount of days notice before the new lease was signed and date on signed lease is XX/XX/2020 when I was in North Carolina and I have plane tickets to get prove they falsified the document due to I have flight information of being in North Carolina not in XXXX IL AT XXXX XXXX OWNED BY XXXX XXXX I later learned. 
This was built with funding from the state and suppose to be low income housing I do not owe due to giving 60 day notice before the new lease that shouldnt have even taken effect because I had already given 60 day notice to them back in XX/XX/2020 left XX/XX/2020 And paid up for XX/XX/2020 With XXXX deposit on file and then they charged me for carpet cleaning XXXX This is a horrible place to live considering the pushy manager requiring me to sign lease when under distress of being under condition of XXXX  and in process of needing XXXX  XXXX from 2 falls at the building for to ice on wooden stairs at the bottom. 
When I know that you have to give someone the abilty to move if can not get up and down stairs XXXX XXXX  and XXXX XXXX  But still was {$420.00} and will even send you to collections when only on XXXX and no job And unable to keep using stairs due to medical reasons and they are suppose to help low income. What no concerns for residents or the medical health or mental health as harassing me to sign a lease when under stress of decisions of XXXX  XXXX stairs living alone and only laundry on first floor Ridiculous management Even had a maintenance person get arrested on property for assault of a resident while living there over a broken childs toy the maintenance man broke this even made the XXXX XXXX and review newspaper. 
Cops came and arrested him in front of the office he was still there but manager had already left for the day. 
This place may be nice apartment on inside and outside but Management says one thing but does another Asking to sign leases ahead signing wrong date actually falsified information But XXXX just doesnt want to help either even with problems with manager or apartments even though they own it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have received a billing statement from HOME DEPOT for a credit card which has NEVER been applied by me, this was received in USPS mail on XX/XX/2020. 

The amount of credit limit on the statement shows up as {$8000.00} and the Purchases made fraudulently on that are of {$5300.00} I had called the HOME DEPOT credit card Customer Service on XXXX, and they were not able to resolve so they connected me to their fraud protection agency who were on the phone with me on XX/XX/2020 for 1 hour 16 minutes from XXXX CT Towards the end of my call with them, the fraud protection agency did confirm that the issue has been resolved and provided a reference # XXXX, but I repeatedly asked them to send me some communication by mail or email, but they were not willing to do so. 

I just need an assurance that this is resolved and that I am not liable to pay any amounts for purchases which have NOT been made.

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 2020-10-27 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: TX

Complaint narrative:
Good Day, I am XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: OR

Complaint narrative:
In this scam they are saying I have past due court fees or fines which is false. I have no such debt. What makes this scam so obvious is that they want me to go to XXXX XXXX XXXX to buy cash cards and then send them with a bill. Bye bye money. I have heard of these scams and I don't want some unknowing victim to fall for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I KEEP SENDING the disputing letter to Transunion for numerous times, they either respond with no result or nonsense or not respond at all. They have posted negative account on my report and only TRANSUNION IS DOING THAT, I HAVE DISPUTED THIS fraud account directly with Creditor and they have removed it from XXXX  and XXXX  and only Transunion keep reporting account which was not even verified and not confirmed by CRDITOR. 
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from 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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts are not mine. They are inaccurate information, and need to be removed immediately from XXXX, XXXX, and Transunion

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not mine. They are inaccurate information, and need to be removed immediately from XXXX, Equifax, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
I submitted a complaint on XX/XX/XXXX about my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Trustmark National Bank or XXXX  is reporting the " Date Maj. Del 1st Rptd '' as XX/XX/XXXX and the " Date Closed '' field is not reported which is not correct.

On page 2 of the TRUSTEE DEED, on XXXX XXXX TrustMark National Bank bidded {$85000.00}. The TRUSTEE XXXX XXXX XXXX, signed the trustee deed. Page 2 of the Trustee Deed says in quote " The property was struck off to TRUSTMARK NATIONAL BANK for said amount, and said bidder was declared the owner thereof. '' TRUSTMARK NATIONAL BANK XXXX XXXX  need to correct the " Date Maj Del 1st Rptd '' field to XXXX of XXXX and correct the " Date Closed '' field. 

I've have attached Page 2 of the TRUSTEE DEED. Also is attached is the " Dispute Results '' from the XX/XX/XXXX dispute. See page 4 of the Dispute Results which shows the " Date Closed '' field is blank and the " Date Maj Del 1st Rptd '' field is XX/XX/XXXX. 

The " Date of 1st Delinquency '' is XX/XX/XXXX, The " Date of Last Payment '' field is XX/XX/XXXX which are correct. The " Date Opened '' is XX/XX/XXXX which is correct. 

On my most recent dispute, Trustmark updated the following sections on my XXXX credit report : ADDITIONAL INFORMATION, BALANCE, PAST DUE, HIGH CREDIT, SCHEDULED PAYMENT and ADDITIONAL INFORMATION : The ADDITIONAL INFORMATION SECTIONS has 180 days or more past due. I can not be 180 days or more past due if TRUSTMARK purchased the foreclosed property on XX/XX/XXXX. 

Foreclosure Real Estate Mortgage 180 Days or More Past Due

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 2020-10-27 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I purchase tickets in XX/XX/XXXX for a sporting event in XXXX XXXX in XX/XX/XXXX for XXXX euros. The event was delayed and then canceled and in XX/XX/XXXX a credit was issued the the card, which had since been cancelled. Upon being notified in intended credit. Once notified the credit would be sent, I contacted chase to ask what needed to be done as the credit card used for purchase had been cancelled. Chase rep. Told me not to worry, credits would be accepted and they would forward me a check, may take a couple of weeks. I followed up with chase several times I. The following 2 weeks, via phone calls and secure messages, and was told they had no record of the transaction. On XX/XX/XXXX, I provided them the information provided from the merchant of the exact date and time of the credit transaction. Ive received 2 letters from chase that my inquiries are closed, one referencing the last 4 numbers of a credit card that does not match either of my chase cards. Ive been told that they hold those funds to end of year, that I had to write a letter and send to chase and other stories from the various escalations over 5 hours of phone calls. Per the merchant, the credit was sent 7 weeks ago, Chase still claims they have no record of transaction. Each time I call they escalate to another department that I can not have contact information for, and I never hear from them. I have to expect an ordd HD animation like chase experiences this issue often enough that they should have an effective process to manage, vs bounce their customers to multiple different contact centers and departments, many of which dont understand the information I am providing is related to a card Chase issued. How do I get chase to work with the vendor to resolve the issue, whether the credit transaction was attempted and successful or rejected by Chase. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, XXXX, andXXXX  ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. I know that the FCRA states that the only purposes for pulling it in
someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores.

Thank you for your prompt attention to this matter.

Sincerely, 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