vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 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: SC

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

XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: SC

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

XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit Reporting has included me on their mailing list. There is no 'unsubscribe ' opt-out included in Experian emails. There is also nothing contained within the Experian emails about how to unsubscribe. 

Looking online I found this : " To opt out of all email marketing messages from Experian, you must send an email to XXXX from the email address you wish to unsubscribe. Please clearly state in your email, " Unsubscribe me from all Experian email marketing. '' I followed those directions but still continue to receive Experian emails. 

Next I called Experian customer support telephone number : ( XXXX ) XXXX who told me I would have to send a regular USPS letter requesting removal from Experian email lists. As directed, I mailed a letter to Experian ; XXXX. XXXX XXXX, XXXX, Texas XXXX. I did mailed this letter to Experian months ago, but I am still getting unsolicited and unwanted Experian emails. 

Isn't this illegal? And falls under ANTI-SPAM legislation? 
Not allowing people 'opt-out ' of Emails?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/2020, CITIBANK froze and closed a joint checking account. It was now under investigation by the Fraud Department. After 3 months of unacceptable customer service, I was told that only part of my money would be released to me. The unpaid portion was the Social Security payments for my mother and I wasn't entitled to this money. 
This account was set up to pay all services necessary while my mother was in a XXXX XXXX. I've contacted CITIBANK weekly and they refused to release this money and won't give any details of what happened to it. 
I am the executor/representative and POA of my mother 's last Will and Testimony. I have sent by certified mail, documentation of being both my mother 's representative and legal POA, joint names on CITIBANK 'S signature cards, the balance of closing checking account, {$14000.00}, a partial check received for {$6600.00} with an additional check to complete the total for {$7500.00} plus interest, a letter from her doctor stating she's incapable of making financial decisions, a letter from Social Security stating myself as being her representative of her monthly statements and a copy of her death certificate, as my mother passed away XX/XX/2020. 
This money is part of her estate and I am not able to move forward until CITIBANK pays the remaining balance of over {$7000.00}. Please help close this account to make things right. I have done everything I can possibly think of and now I need professional help. CITIBANK is refusing to release this money! 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I want to start off by saying I was considering looking for a mortgage. When my lender looked up my information, he thought it was odd that I opened an account in XX/XX/2019 but the " creditor '' reported it delinquent in XXXX of 2019. I thought it was weird as well because how can someone open an account in XXXX but is deemed delinquent in XXXX. So I reached out to the company and the staff was so rude. So I ended up paying the {$220.00} and {$52.00} debt that they said I owed with the intent that they would delete the item on my report which they never did. Once I noticed almost 2 months later I called back and they said they will not remove it but will update the status to " paid in full ''. The representative I spoke with in XXXX said it was my first offense with the company and they would delete it but the second representative was extremely rude about it. Even when I informed her that I moved and never received any notifications or calls. I even emailed the manager that sent me a receipt and still to this day, I haven't received an answer from him. At this point I feel taken advantage of because of the rudeness and lack of compassion from " Firstpoint Resources '' or " Firstpoint Collection Resources ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I open a XXXX XXXX account in XXXX and in XXXX they sent me a XXXX card account because I had a few other cards and didnt want to be late on any payments I was referred to setup Autopay I did and it was set to pay the minimum every month. This was fine till someone made a fraudulent charge in a XX/XX/XXXX and I changed the balance and minimum due however it was more then the minimum I had set to pay and it made the remainder amount pass due which was paid the next week I was told. In fact for the month of XX/XX/XXXX I summited two payments however they reported my account past due 30days in XX/XX/XXXX which it was not. Then when I tried to correct it they claim I had missed payments by posting my payments twice for the same month XX/XX/XXXX and not posting payment for XX/XX/XXXX and still incorrectly reporting me pass due without supporting information. As their records show payments made on time and no pass due amount ever because they just post balance and schedule payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 {$12000.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$12000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 {$12000.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$12000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 {$12000.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$12000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: PA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

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

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


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
I never opened an account with this company. I have my ID theft affidavit from the FTC attached to this message

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: PA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}.

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

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

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


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}.

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

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

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


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) and LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) and LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Today XX/XX/XXXX I was called from a company named XXXX XXXX XXXX XXXX that identified themselves as a bill collector and stated that I had an account in XXXX that was paid up until XXXX. I explained that the company did not sound familiar to me and that I have never received any mail or corespondents from the company. The person that I spoke to threatened to take me to court if I did not make arrangements on the account. They were unable to tell me what kind of credit card it was. All she said was that it was from MBNA, I asked if she would be able to send me info via email from MBNA but it was never received. I feel that this company is fraudulent and makes scam calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: NJ

Complaint narrative:
The Debt Collector that I am filing this complaint is against Commercial Acceptance Co in the amount of {$290.00} I am writing this complaint because I am XXXX years old and I was a pedestrian in a hit and run. During this incident, I was rushed by ambulance to the hospital by the XXXX XXXX XXXX XXXX XXXX. When I spoke to the hospital as well as speaking to my attorney they said NJ XXXX is responsible for this not me and that all bills should be submitted to them. I saw this debt along with a hospital bill from another debt collector on my credit report from this incident that occurred on XX/XX/2017. The debt collector for the hospital bill handled the situation immediately. I explained it to them telling them that I was not responsible and they wiped off the debt no problem. This debt collection agency for the ambulance is horrible. I even said that I would have my attorney speak to them yet they refuse to give any information whatsoever to me or my attorney. They did say that it could possibly be written off but when I asked how they shut up immediately. The second time I asked them for the information as well as asking if they spoke to my attorney again they would not give me any information about the bill and they refused to talk to my attorney. They were rude and practically hung up on me when I was telling them that NJ XXXX was entirely responsible since they are the insurance that pays the bills for pedestrians involved in these situations who do not have auto insurance. My credit report is being ruined because of this debt due to me being a victim of a hit and run. I am XXXX years old, I broke my pelvis from this hit and run and my only source of income is Social Security. I shouldnt have to pay for this that the NJ XXXX insurance was supposed to cover. I even spoke to XXXX and XXXX even agreed with me. I also have tried to contact the XXXX XXXX XXXX XXXX XXXX and they never answer their phone so XXXX and I have no way to contact them to have them write the claim off directly. I have filed disputes on XXXX   and XXXX. I have also put in a dispute to the XXXX. Commercial Acceptance Co. is a money hungry and greedy company that is disgusting to go after a XXXX year old man who was hit by a car for {$290.00}. They said it could be written off but they just wont do it. They ruined my credit report and they are rude to me on the phone when I have tried to speak to them over a debt I am not responsible for and they refuse to let it go. My attorney, XXXX, and I all agree that I should not be held responsible for this charge! I want this written off and taken off my credit report because I need to take out a loan for medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I attempted to apply for employment and was denied due to 2 Chapter XXXX Bankruptcies on several of occasions. Those two Chapter XXXX Bankruptcies is somehow reporting on my credit report that should not be as I have never filed a Chapter XXXX Bankruptcy. Chapter XXXX bankruptcy - Dated Filed XX/XX/XXXX Chapter XXXX bankruptcy - Date Filed XX/XX/XXXX I have 2 Chapter XXXX Bankruptcy 's that is appearing on my credit report. I have never filed a Chapter XXXX Bankruptcy. I contacted the US Bankruptcy Court initially at XXXX and was told they didnt see any information about me in there court records and suggested I come down to their office. I went to the US Bankruptcy Court IL FED Bk CTXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX as instructed and spoke to a clerk by the name of XXXX XXXX and she indicated that she didn't see a bankruptcy and they dont report bankruptcies to the credit bureaus. I have send 6 letters over the period of 2 years to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have not still responded to my letters as to where they got this information from and why they reported this inaccurate information. Please assist me in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: PA

Complaint narrative:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, THE following items do not belong to me and is a result of fraud that I did not authorize : Acceptance now.

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