vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 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 {$2300.00}, {$23000.00}, {$31000.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hi. Last year in paid off my car loan with the payoff amount in the amount of {$18000.00} on XXXX XXXX, XXXX that Ally Financial provided for me. I paid the amount and it showed a XXXX  balance and that the title was on its way and I didn't owe anything. I've waited at least a week to confirm that I didn't owe anything, just to make sure. On XX/XX/XXXX it showed that I still didn't owe anything and that final payment was received, title was processing and released, and then the processing was complete. Several weeks later, Ally Financial made " reversal '' of a monthly payment I had made in XXXX and it didn't go into my card or checking account. The reason it showed on their website was " Migration. '' So then it showed that I owed {$510.00} and that it was due until XX/XX/XXXX. I called them several times and they said they didn't know why that reversal was created but it was money that I owed. I asked them what checking account or card the money went to and they couldn't provide that information. I paid about {$140.00} of that amount because they threaten to hurting my credit and they would investigate the matter and get back to me. I've called every 2 weeks to get an answer of why the reversal when I have a picture of the account showing a XXXX  balance due. They asked me to email it to them and when I tried, I kept getting errors not allowing me to upload pictures " at this time '' because of system maintenance. But you can send emails but no attachment. Now it affected my credit because I never finished paying that amount that was reversed about a month after I paid off the loan. And they still can't tell me why it was reverse. They just tell me that their system was going thru changes around XXXX XXXX so they can't access all the information they need so they can tell me. Any help is greatly appreciated Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: Asset Management Outsourcing, Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The tradeline, which appears on my credit report from Nationwide Recovery & XXXX XXXX  last reported XXXX XXXX2020 in the amount of {$180.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Nationwide Recovery & XXXX XXXX individually and have not received any reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax did not investigate my XXXX XXXX XXXX XXXX it still shows a balance that is incorrect. 

Equifax did not investigate an account on my credit profile for U S Dept of Edn/XXXX that is not my account and I have neve had an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: TX

Complaint narrative:
My media bills I have been disputing have gone nowhere. I am a Veteran and they were an emergency so I had to go to the hospital. They were told to bill the VA!! NUMEROUS TIMES AND STILL THEY ARE ON MY CREDIT REPORT!! Also my X-wifes name is with my name XXXX -- She did get phones out on my credit also. She added herself on there to do that and was never questioned?? I have never applied for a credit card and there are 8 I think inquiries??? She will do that!! Once I get all this straight then I can lock my report. I have disputed all of this mess and still nothing has happen?? Thank You!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
First Citizens advertised on their website in XX/XX/2020 that there is {$300.00} promotion if you open a checking and savings account and meet the requirements which are : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : 1. Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening 2. Enroll in eStatements 3. Open a new savings account Here is what I did to meet the requirements : 1. I opened a new Checking and new savings account at first citizens Bank on XX/XX/2020 2. I enrolled in e-statements for both checking and savings on XX/XX/2020.

3. I made 10 debit card purchases between XX/XX/2020 and XX/XX/2020 which were within 90 days of account opening. 

Their terms also said " Bonuses to the eligible qualified accounts will be credited, at the banks sole discretion, any time within 120 days after all qualifiers have been met. The account must be open and in good standing at the time the bank credits the account. '' I met the banks on XX/XX/2020 and 120 days from XX/XX/XXXX is XX/XX/2020. 130 days have passed and I haven't received the {$300.00} bonus as advertised. I reached out to First Citizens bank on XX/XX/2020 via secure message inquiring about the bonus and I received an reply on XX/XX/XXXX to call the sales department. 

I am attaching the documentation including bank statements showing the account openings and debit purchases as well as screenshot of secure message showing enrollment of e-statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian did not investigate an account on my credit profile for Dept. Of Education/XXXX  and XXXX XXXX XXXX XXXXXXXX this is not my account and I have never had an account with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: AZ

Complaint narrative:
Complaint is in regards to reported medical collection being reported to all 3 credit bureaus. 



Collection Account : Capital Accounts LLC Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Amount : {$400.00} Under the Fair Debt Collection Practices Act, I have disputed and requested validation from all 3 credit bureaus regarding the alleged debt on multiple occasions. XXXX   deleted the account as validation of the debt was unavailable. The collection remains on my report with the other 2 lenders and continue to be verified as accurate despite request that proof of verification of debt be provided to myself. Another certified letter was sent to both XXXX   and XXXX on XX/XX/XXXX regarding the matter, again disputing the information. On XX/XX/XXXX I contacted the debt collector of the alleged debt ( Capital Accounts LLC ) to obtain information regarding original creditor and validation of alleged debt. Information was with held from me as I was told the could only tell me the doctors name and amount owed.They did not tell me the clinic of the provider, or number to reach them at. I requested validation of debt and was told it would be requested from the original creditor to provide to myself. How are they verifying this debt if they have never received anything but the amount they claim I owe? I was told they would send me information regarding the visit Such as procedure completed and breakdown of charges in 1-5 business days. It has been 7 business days since and I again have not gotten proof of verification of this debt that continues to be verified with each dispute. As a medical collection, this is a violation as I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Capital Accounts LLC to obtain my medical information. 

This account was deemed as unverifiable by XXXX when previously disputed. Please DELETE this medical Collection from my credit report as is not mine, has not been verified on multiple occasions as requested, and is a direct violation of HIPAA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
someone may have stollen my identity my address is : XXXX XXXX XXXX XXXX, PA XXXX please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
someone may have stollen my identity my address is : XXXX XXXX XXXX XXXX, PA XXXX please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
someone may have stollen my identity my address is : XXXX XXXX XXXX XXXX, PA XXXX please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2020-08-23 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:
the following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDITOR TYPE Bank XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX Please remove inquiries from my credit report because these are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In XXXX, I created a myEquifax account in order to be able to freeze and unfreeze my account online. Ever since I did that, I was unable to freeze and unfreeze my account. The system keeps telling me to " send in additional documents '' to verify my identity. Keep in mind that I had to send in the same verification document in order to create my account so I did not understand why they were asking for the same info twice. Nevertheless, I acted like an XXXX and send in the document again but I still did not have access to freeze my create online. After calling in and complaining multiple times in XXXX, XXXX, XXXX, and in XXXX, I decided to try one more time and mail my documents to Equifax on XXXX. 
To my surprise, when I call in on the XXXX to complain one more time, I found out that they uploaded some else ID card under my profile. 
After dropping the ball for 4 years, I'm deciding to file a complaint. 
Maybe I can finally get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Ability Recovery Services re-aged the date of delinquency to XX/XX/XXXX, when the actual date of delinquency was between XXXX. The amount of the re-aged debt shows an amount owed of {$5600.00}. Attempts were made to request documentation for said debt to show the date of delinquency in XXXX of XXXX and in XXXX of XXXX. With a dispute also being filed in XXXX of XXXX, which I am still waiting on notification of outcome. The agency has avoided and evaded all attempts to provide any documentation. The illegal actions committed by said agency have impacted my ability to obtain federal employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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:
the following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDITOR TYPE Bank XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX Please remove inquiries from my credit report because these are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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:
the following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDITOR TYPE Bank XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX Please remove inquiries from my credit report because these are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion did not investigate an account on my credit profile for Dept Of EdXXXX, Contract Callers, XXXX XXXX, US Dept. OF EDUCATION/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 2020-08-23 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2020 a charge for XXXX showed up on my Gap Visa Card. I called Gap on XX/XX/2020 and told them the charge was fraudulent. They opened a fraud claim, closed the card ending in XXXX and sent me a new card ending in XXXX. 

On XX/XX/XXXX, I called Gap Visa Card to check on the progress of my claim, I was told the claim was approved and I was credited XXXX. I communicated to the rep that it was not showing up on my activity page, but he assured me the money had been added back to my account. 

On XX/XX/XXXX, I received a call from Gap stating that they had finished processing my claim and it had been denied. I was very frustrated and told the rep that in XXXX I was told the claim was approved. She assured me that it had not been approved. After speaking to approximately 6 reps and managers on XX/XX/XXXX, I was told to fax over proof that I never made the purchase ; I did so. I have the fax receipt stating that the fax went through. 

After noticing that my balance was high, I checked my account and the charge for XXXX had been added back into my balance. Gap Card has the proof that this charge is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom it may concern : I filed my Bankruptcy on XX/XX/XXXX. It was discharged on XX/XX/XXXX. 

I had 3 credit cards with Capital One, before my Bankruptcy. Capital One was served with my Bankruptcy petition by the court, But they are reporting erroneous information to the 3 credit bureaus, pertaining to the accounts that I have listed below. I have disputed these accounts directly with the credit bureaus, and each time they are verified by Capital One. The information updated is not reflecting my Bankruptcy discharge status. Instead Capital One has been reporting false information that hurts my credit scores. I have also noticed that Capital One is reporting payments past my Discharged date, and re-aging these accounts. 

I sent a certified letter to their CEO ( XXXX XXXX ) on XX/XX/XXXX, explaining the incorrect reporting, asking for his assistance, but I did not receive any reply from him or anyone else from Capital One. 
The only response that I received was erroneous, inaccurate reporting on my credit reports. Apparently, Capital One is not interested in reporting by FCRA guidelines. 

Capital One did not open an investigation into this false reporting. Instead they reported anything, but the correct discharged status on these accounts. 

I have listed below the information that Capital One believes is correct. 

On XX/XX/XXXX XXXX  was reporting account # XXXX as Included in Bankruptcy. 
On XX/XX/XXXX XXXX  changed the status to an Open Account. 
On XX/XX/XXXX XXXX  changed the status to a Charge/OFF. 

On XX/XX/XXXX XXXX  was reporting account # XXXX as Included in Bankruptcy. 
On XX/XX/XXXX XXXX  changed the status to an Open Account. 
On XX/XX/XXXX XXXX  changed the status to a Charge/Off. 

XXXX  is reporting account # XXXX as ( Charge/OFF ) .This status has remained thru selected dates. 

XXXX  is reporting account # XXXX the status of Discharged In Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Charge/Off thru all dates. 

XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates.

XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Charge/Off thru all dates. 


As you can see, Capital One is not reporting these accounts as Discharged through Bankruptcy. 
I need your help resolving these issues. I am trying to purchase a home, and Capital One is destroying my chances of securing the financing I need.

Company response to consumer: Closed with explanation