vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-26 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 : Wh

om It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$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. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX 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 2020-11-26 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 {$0.00}, {$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. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 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 2020-11-26 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: MI

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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.

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 2020-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have been severely impacted financially by COVID-19, and I have tried calling my credit card company, Barclays, regarding my Barclaycard XXXX card to bring my interest rate down lower due to my hardship. They are not willing to provide any assistance whatsoever. I need the government 's assistance in ensuring I am not overpaying these credit card companies with extremely high APR interest, when my main motive is to get out of debt with them. 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 explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I received a notice that my coronavirus nsf fee waiver would end on XX/XX/2020 on XX/XX/2020. I had been caught up with moving out of an apartment I could no longer afford due to my roommates mom XXXX from XXXX. At the end of XXXX I realized that USAA had taken almost {$500.00} in nsf fees from my account. After working my way up to the office of the XXXX, I was told they would assign me an advocate. The advocate called me a few days later with almost no knowledge of my complaint and told me that they were keeping the fees. I was eligible for the waiver in XXXX, as I was severely overextended from the move. To be ineligible because I hadnt known the waiver could be extended seems predatory, as I really need this money. Please help!!! I can not afford to take this to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$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. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX credit card is not mine it is identity theft XXXX dollars XXXX XXXX XXXX identity theft for unknown amount and comenity bank it was opened by fraud ive spoke to all 3 agency and they refuse to help so I want those 3 item off my credit report I have no knowledge of them and they refuse to help and these companies have no proof I opened anything in an otr driver please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$1400.00}. 
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, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -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 2020-11-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
remove all the FTC or FCRA vioaltions quit putting back in another name : this item was taken off 3 previous FTC violatins XXXX XXXX XXXX Account XXXX Account TypeCollection XXXX  Date XXXX2020 StatusCollection account. {$1900.00} past due as of XXXX 2020. 
Status UpdatedXXXX XXXX attach will prove of the above statement all FRCA vioaltins they didnt even notify me before they put it back on law requires them to do so

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 2020-11-26 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: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
XXXX credit card is not mine it is identity theft XXXX dollars trident asset mgmt identity theft for unknown amount and XXXX XXXX it was opened by fraud ive spoke to all 3 agency and they refuse to help so I want those 3 item off my credit report I have no knowledge of them and they refuse to help and these companies have no proof I opened anything in an otr driver please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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:
XXXX credit card is not mine it is identity theft XXXX dollars XXXX XXXX XXXX identity theft for unknown amount and XXXX XXXX it was opened by fraud ive spoke to all 3 agency and they refuse to help so I want those 3 item off my credit report I have no knowledge of them and they refuse to help and these companies have no proof I opened anything in an otr driver please help me

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 2020-11-26 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
My old Benz lease account was closed. 
This new lease account is not under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I call the Experian and you can't talk to them at all talk to that this prompt that I'm having is not to talk to them and. Tell me my credit report account on and I can't fix my credit report on online at all and won't I try to fix. years go I got my credit report account fix. then the Experian let this XXXX collection agency put there bad credit on my credit report account and it knot my XXXX account at all I don't won't them to is tell this XXXX collection to stop put XXXX collection account on my credit report account and tell this XXXX Company to stop put this XXXX account on my credit report account sir. Idont. won't to give any information that you need to. Find my credit account at. all so don't ask me for it at all so ask me any questions about me sir

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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My old XXXX lease account was closed. 
This new lease account is not under my name

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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My old XXXX lease account was closed. 
This new lease account is not under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My old XXXX lease account was closed. 
This new lease account is not under my name

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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Close XXXX XXXX Account Name XXXX Account Number Credit Card Account Type Authorized user Responsibility XXXX XXXX  Account XXXX XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 246 Monthly Payment {$8500.00} Credit Limit {$8900.00} {$8900.00} Balance Updated XX/XX/XXXX {$8400.00} This account is not mine, XXXX  removed this account, but TransUnion and XXXX still have this account under my name I attached dispute information from 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 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Hello. Transworld System Inc ( TSI ) has reported collection on my account several times to the 3 credit bureaus. I submitted a copy of the police report I filed to show I was a victim of ID theft, and I also submitted my utility bills ( as requested by TSI ) to show proof that I've only lived in XXXX XXXX, whereas the utility bills that are in collection are for someone who lived in Texas. I sent one correspondence on XX/XX/XXXX, and another correspondence on XX/XX/XXXX. They have not responded to me, and when I call the number that shows up on my credit report ( XXXX ), it says their mailbox is full and can't receive any more messages. I don't know how else to get these guys to stop harassing me with continuously reporting fraudulent accounts to credit agencies. They have been made aware that I was a victim of ID theft in XXXX, but they are constantly harassing me with new claims. How do I get them to back off permanently? 

Thank you so much for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 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 2020-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Close XXXX XXXX  Account Name XXXX Account Number Credit Card Account Type Authorized user Responsibility XXXX XXXX Account XXXX XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 246 Monthly Payment {$8500.00} Credit Limit {$8900.00} {$8900.00} Balance Updated XX/XX/XXXX {$8400.00} This account is not mine, XXXX  removed this account, but XXXX  and Equifax still have this account under my name I attached dispute information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with Experian, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX XXXX, XXXX XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from XXXX. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
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 2020-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB auto finance has been on my credit report more thatn 10 months as a charge off and is causing a very big hardship on my credit score. Letters have gone out requesting the validation of the debt and no one has responded. I know the rights that I have to know what is on my report. I have consulted a lawyer and was told in our counsiling sesson that the responded has 30 days to respond or the debit should be removed, In this case nothing has happened. Please help to get a swift response as I would like to move on with positive credit.

Company response to consumer: Closed with explanation