vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 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 {$0.00}, {$250.00}, {$9000.00}.

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


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -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 2020-09-16 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}, {$250.00}, {$9000.00}.

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


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Late Payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Amsher Opened XX/XX/2020 {$620.00} Original creditor : XXXX XXXX XXXX. 
I JUST FIND OUT ABOUT THIS ACCOUNT IN my XXXX XXXX 
It appears as a accounts in collection, but i can find where this account come from. 
I thought XXXX XXXX, but its clear according to XXXX 
Pls help me find this account where it come from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Case no. XXXX Situation : I paid a {$500.00} security deposit on XX/XX/2020 using Capital One Credit Card ( ending in XXXX ) to get 1 ) A job that was supposed to start 2 ) by XX/XX/2020 and 3 ) 8 items in the contract ( 401K, insurance, etc. ) Later, I found out there was no job to start on XXXX XXXX. 
The agency did not return my deposit as promised and did not deliver as expected. 

I have reached out to the Merchant and Capital One on several occasions since the first month the charge was made.

Visa Policies ignored by Capital One : 1 ) Capital One 's Dispute team completely missed that the service was not as expected and items did not meet the XX/XX/2020 delivery date 2 ) Also, Capital One esp. missed the reason code 53 ( Not as Described ) as per Visa rules : a ) Service/Product did not match what was described in the documentation presented at the time of purchase. 
b ) Not the same as per Merchant 's description c ) Quality of service d ) Terms of the sale were misrepresented by the merchant Capital one accepted irrelevant proof from the agency and later gave a decision based on incomplete/misinterpreted information : A ) Capital One considered the " deposit '' as a fee although in the XXXX last line the fee is mentioned separately. 
B ) Capital One considered " Training '' as " Job '' while giving the result on the dispute. 

Also, it is a deposit to be returned in the 1st-month salary & the project should have been started on XX/XX/2020 with profit-sharing i.e. 10 % of my salary as the fee. 
Capital One has not yet asked the merchant to verify the above by asking the agency to provide the Job offer letter, insurance or 401k etc. or return my deposit as they never had any job/project and don't  have it till date. 

Thanks in anticipation. 

Regards XXXX XXXX ( card ending in XXXX ) Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI bank Costco Visa card wrongfully flagged me to credit reporting agency XXXX with an account that is NOT affiliated with me/my social security number. They ruined my credit score and by extension my life. When contacted, they were not conducive nor respectful. 

I was notified by my own bank that there's abnormal credit activities on my credit report, namely a CITI credit card account -- Costco Visa Card -- that I have no knowledge of ( and it's over credit limit ). After  spending one hour, through XXXX, I found out that it's a CITI bank Costco Visa Card account with the account number and associated billing address, both for which have nothing to do with me. I spent more than another solid hour to call the CITI number affiliated with the card ( XXXX ) XXXX for 5 times and went through a maze of voice prompt without being able to reach any person, which seems to set out to frustrate/deter consumers. Then I spent the next entire THREE hours talking to CITI bank general customer service representatives  at XXXX for 11 times and put on hold for numerous times and got disconnected numerous times. The basic fact is that CITI bank credit card unit admitted that they couldn't find any affiliation between my social security number and that account fraudulently linked to me yet they posted that account and its abnormal activities my credit report. During the process of my trying to figure out what is going on and who are responsible for this error in order to hold the responsible ones accountable, I was repeatedly disconnected after the CITI representatives put me on long hold under the pretense that I'll be connected to supervisor or someone who has authority to right this wrong. After each repetition of descriptions, I was put on hold for over 20 mins then randomly got disconnected. This process repeated no less than 11 times in total. 

And how can a financial institution producing many financial products/credit cards treat consumers with such detrimental negligence and utter irresponsible disrespect!? CITI bank must be held accountable and so are the specific individuals involved in this matter!

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 2020-09-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Hi, I need to add documentation to complaint # XXXX. 

Please help me with this issue. Today XX/XX/2020 I received a letter from Nissan Motor Acceptance Company ( See attached file named NMAC_Letter_091020 ). This letter states that they are unable to locate my account information, and that without more information they would be unable to make any changes to my account. I have attached a letter which I have sent multiple times to NMAC which includes my account information, as well as the VIN number of my vehicle. This is a direct example of harassment by NMAC and I need help to resolve this issue. All I am asking them to do is repair the mistake they made by falsely reporting my account as delinquent to the credit reporting agencies. I am struggling to find housing due to the delinquency on my account and I NEED HELP.

Attached is the letter form Nissan, a copy of the letter I have sent to Nissan multiple times, and proof of delivery via registered mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Citibank has refused to correct entries in my XXXX credit report incorrectly reporting that my CITI Dividend MasterCard ( Account Number beginning XXXX XXXX XXXX ) is an Adverse Account, with a Maximum Delinquency of 30 days in XX/XX/XXXX. I had no such delinquency. I sent a fax and two letters, with documentary proof ( account statements ), asking Citibank to correct my XXXX report. The fax was sent on XX/XX/XXXX. The first of my two letters was sent on XX/XX/XXXX ; the second, a follow up letter requested by Citibank, was sent on XX/XX/XXXX. Citibank ignored my documentation, which clearly shows I had no delinquency in XX/XX/XXXX because nothing was due on my account for that month ( or for any preceding month from XX/XX/XXXX onward ). Citibank stated in its final letter to me, dated XX/XX/XXXX, that the information in [ my ] credit report is correct. 

Copies of monthly statements for my account, from XXXX back to XX/XX/XXXX, included in my XX/XX/XXXX letter to Citibank, fully demonstrate Citibanks error. Each statement shows a XXXX-balance requiring no payment. Because no payment was due, there was never a delinquency. I have attached to this complaint copies of all my correspondence with Citibank, including copies of the relevant account statements. The account statements were marked Appendix A-1 through Appendix A-4 to my AFFIDAVIT SUPPORTING MY REQUEST TO CORRECT ERROR IN XXXX REPORT, sworn to XX/XX/XXXX, which was enclosed in my XX/XX/XXXX letter to Citibank. 

I respectfully request the incorrect entries in my XXXX report be corrected to show I have no delinquency for the account in question. My perfect credit payment history will thus be restored.

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 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo continues billing me a $ XXXX Monthly Service Fee, even though I am meeting the obligations to avoid being billed this fee each month. The terms of the account state I can avoid the fee through a linked mortgage or an average balance of {$7500.00} on a line of credit, checking account, etc. They are only considering my Average Daily Balance on my checking account in qualifying the fee waiver, not my credit card average daily balance that far exceeds the {$7500.00} requirement. I called them previously and they credited two months of fees and said theyd look into it, only to bill me again on XXXX. I want the fee waived and to make sure they stop doing this. Their history lends itself to taking advantage of their customers with fees, so Im sure other consumers have been harmed by this issue, too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 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: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I was XXXX and something got a XXXX  XXXX card in my name and the credit bureaus will not remove it I have proof that I was incarcerated before, during, and after the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: FL

Complaint narrative:
Maybe transunion has robots working or XXXX folks as incorrect phone numbers are reported such as telephone numbers and wrong spelling of names and invalid data and asked twice for it to be fixed but just kept mailing the same inacurrate date. 
what is going on over there??

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 2020-09-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
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 onXX/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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello I am writing to file a complaint against Equifax. I sent them my first round of dispute letters on XX/XX/XXXX and had not received a response. On XX/XX/XXXX well after their 30 day deadline I sent out a non response letter. Followed by round 2 letters on XX/XX/XXXX after another 30 days had past and still no verification of the accounts disputed I sent out another round of letters on XX/XX/XXXX. Yes 3 rounds of letters and Equifax continue to violate my rights according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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:
There are some accounts on my credit that I don't recognize. Please remove them. 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 2020-09-16 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: CA

Complaint narrative:
I have sent XXXX separate rounds of letters asking the bureau to verify my complaints and verify and show proof of my signature of the credit card and they have yet to provide me with any proof making these unverified accounts that are hurting my credit score to buy a home for my self and my child as a XXXX  father this negative reporting is holding our house hold back. Please see attached document with certified mail receipt

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 2020-09-16 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: CA

Complaint narrative:
I have sent XXXX separate rounds of letters asking the bureau to verify my complaints and verify and show proof of my signature of the credit card and they have yet to provide me with any proof making these unverified accounts that are hurting my credit score to buy a home for my self and my child as a XXXX father this negative reporting is holding our house hold back. Please see attached document with certified mail receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CA

Complaint narrative:
I have sent XXXX separate rounds of letters asking the bureau to verify my complaints and verify and show proof of my signature of the credit card and they have yet to provide me with any proof making these unverified accounts that are hurting my credit score to buy a home for my self and my child as a XXXX father this negative reporting is holding our house hold back. Please see attached document with certified mail receipt

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 2020-09-16 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:
There are some accounts on my credit that I don't recognize. Please remove them. 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 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX removed the debt from my credit but XXXX XXXX XXXX XXXX has my and it is affected my living.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was XXXX and something got a capital one card in my name and the credit bureaus will not remove it I have proof that I was XXXX before, during, and after the account was opened.

Company response to consumer: Closed with explanation