vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Between XXXX and XXXX I was the victim of fraudulent charges on my Home Depot Credit card, each time I was notified about suspicious activity or noticed the fraudulent activity myself I contacted HD Credit card services and notified them. 

I ended up closing my HD account since they were allowing an impersonator fraudster to have access to my credit card by going into a store and by presenting a fakeID and my SSN. HomeDepot never initially explained this modus operandi to me, they only stated they were going to issue a new card and drop the charges, only after the third round of fraudulent charges and when I pressed them on how this was happening over and over they explained the modus operandi to me. After this was made clear, I asked them to close all my accounts and report all purchases as fraud to which HD accepted.

After this, I got a letter from Citi stating the report on the fraud charges was completed and that I'm not liable or responsible in any manner. 

To my surprise months later, I started getting collection calls from CitiBank and later on by XXXX  XXXX. In the beginning, I explained to them the whole situation to which they said they were going to make notes on my case. Still, again and again, they keep calling me to collect the debt of the fraud charges. Now I noticed they reported me to XXXX  and my credit score dropped around 100 points.

I have already spent several hours calling HD and Citibank explaining this situation over and over and they always say they are going to fix it, but they never do. I don't know what else to do. 


I want HD and Citibank to inform all debt collectors ( XXXX XXXX ) working on their behalf to stop calling me and stop reporting me to credit agencies for fraudulent purchases from which I'm not responsible and make the necessary corrections to these false remarks. 


Report XXXX XX/XX/XXXX Updated Account Information THD/CBNA Remark Added to Account THD/CBNA Thank you 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 non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
This is a three part complaint chime bank. I've had account two years and used XXXX XXXX. If dud what they said, my score shot up. The issue as I just became a platinum member. So a preferred you get a metal card and but on XX/XX/XXXX I ordered two pairs of what I typed in and looked like XXXX XXXX $ each. I never see that cheap so later before anything coukd ship I looked and noticed it says of XXXX XXXX XXXX in some view you see a XXXX symbol in straight on nothing blank so I figured XXXX XXXX so I canceled both before they ever shipped. On XX/XX/XXXX XXXX was refunded. But that's two pairs wheres the other XXXX well XXXX says both were refunded one on the XXXX and one on the XXXX chime says no. But I keep disputing the charge. And nothing gets done. Then I used XXXX XXXX ask one question for XXXX they did not help what I asked none the less I noticed if you use you have to cancel only there's nowheee too and the tech experts don't answer where can I cancel. XXXX warned chime I don't use and don't want this charged. I calmly disputed this also. Somehow a XXXX XXXX  charge for XXXX from XX/XX/XXXX got disputed but it's a mistake its XXXX XXXX  I just noticed they sent me an email saying by XX/XX/XXXX my account is being canceled. They will not tell me why but nit in accordance with user agreement. Yet 3 weeks ago I'm a XXXX XXXX customer. I really wasn't complain about the disputes yes I want the XXXX and the XXXX back. But also that XXXX banking or plaid might be causing glitches I had XXXX and XXXX apps bug can't access my bank so whatever the reason they owe me money are being duscrunatory and canceling my account and no reason they won't tell me should be unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pull Report and notice that there is Bankruptcy listed on my credit report. The United States Bankruptcy court notified me that they do not provide credit reporting to agencies. In turn, I notified XXXX, Equifax, and XXXX  of this finding, with no change to their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CA

Complaint narrative:
I contacted Capital One Auto and informed the agency that my late payment was directly due to COVID-19 and a XXXX XXXX  in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CA

Complaint narrative:
I have contacted EQUIFAX multiple times, provided faxed copies of identification verifying my personal information, yet they continue to display incorrect information. 

Furthermore, EQUIFAX has reported a paid account incorrectly resulting in a loss of OVER 100 POINTS TO MY CREDIT SCORE! Both the lender and I have provided documentation as per their ( Equifax 's ) request and they have not updated the file correctly.

As one of the 3 Major Credit Bureaus, I expect the organization to be held to the same standards as the lenders that utilize them.

Equifax sent me a letter rejecting a dispute after I provided irrefutable documentation from the lender and then had the audacity to 'confirm ' my personal information YET IT IS STILL INCORRECT! 
I'm beyond frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Trying to have Capital One transfer my IRA to XXXX Original Request was XX/XX/21 Second Request was XX/XX/21 Still no transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Bank illegally holding funds on XXXX XXXX funds where deposited into account was told that funds would be available XX/XX/2021. On XXXX XXXX Aprox XXXX an email was recieved late after the funds where suppose to be available. Notice was late and not reasonable notice of hold under regulation Federal CC having to due with check deposits holds. Further more deposit reason for hold was contact check maker which is not a reason to hold funds under Federal Regulation CC Talk to Check maker is not one reason to hold funds. To top the situation off Federal and state banking regulation as well as Federal Regulation CC The bank can only hold 5-7 days funds are being held until XXXX XXXX from XX/XX/2021 which is 9-10 days which is 2-3 days over allowable hold time.

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 2021-05-26 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
There is a fraudulent Trans World Systems account on my credit. This account is not mine and I am requesting the deletion of this account from my credit. Please remove it ASAP as it doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: LA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to 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 explanation
Consumer complaint received 2021-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2021-05-26 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: AFNI INC.
State: LA

Complaint narrative:
XXXX failed to provide proper validation as an itemized bill does not constitute validation. This debt is alleged to be believed not to be mine because the name on this bill shows as XXXX XXXX and my only name is XXXX XXXX if they had properly validated this account they would have known that they names did not match and this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CA

Complaint narrative:
I had problem obtaining my free credit report from Equifax and reset my Equifax account. Equifax asked me to mail in documents ( copy of driver 's license and 1099 ) to verify my identity. I sent them in via certified mail on XX/XX/2021 and the tracking shows that it was delivered on XX/XX/2021. When I called Equifax about it they said that they never received the documents and told me to send them by fax or mail them in again. I sent an email ( with the photocopy of the certified mail receipt and screen shot of tracking ) complain about this and I got a boiler plate response on XX/XX/2021 saying that my case ( # XXXX ) was important to them and they would get back to me. I haven't heard back from them since. 
I don't understand that why I should send in the documents again and by fax? Who has fax machine nowadays? If a piece of certified mail could be lost by Equifax, sending in another one won't guarantee Equifax will receive it. My personal information is probably all over the dark web for sale. 
Why can't Equifax verify my identity via phone or other means instead of insisting sending in paper documents? Now I can't even access my account for security freeze or even a credit report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under IC System Inc. and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2021-05-26 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I received a letter from Kimball , Tirey & St. John LLP sometime in XX/XX/XXXX. I thought it was a scam so I paid no attention to the letter. On Friday XXXX XXXX and notice my credit had dropped drastically. I noticed an account from Kimball , Tirey & St. John LLP that was in collections for the amount of {$11000.00}. I called the credit Bureaus to get more information and they provided me with a phone number to whom is sending me to collections. I called and spoke to the Company above and they mentioned this account is for a rental property located in XXXX XXXX Ca that was leased under my name. The lady mentioned she has a copy of my driver licenses and was very adamant about this account being mine. I advised her this account does not belong to be I have never live in XXXX XXXX Ca. I was born and raised in XXXX XXXX Ca and recently in XXXX I remarried and moved to XXXX  Ca with my husband who owns a house in XXXX  Ca. I have lived here since. I filed a police report with office XXXX XXXX - XXXX ) on XX/XX/XXXX and I'm waiting for a case number. I told the office I wanted to press charges against the person who stole my identity. I provided the officer with a copy of my credit report along with my information. I filed a dispute with Transition on XXXX XXXX, dispute was complete and they said this account belongs to me but that is incorrect this account does not belong to me. Someone stole my identity and used my information to rent this place. Please advice on how to handle this. The las name used hasn't been my last name since my 1st divorce on XX/XX/XXXX, after that I changed my last name to my maiden name being XXXX and I remarried in XX/XX/XXXX and I'am now XXXX. That ID with XXXX last name is in my possession and has a whole on the top corner that the DMV made when I changed my last name. That ID with that last name only one person had a copy of it he is a broker in XXXX XXXX Ca that was helping me get my home at XXXX XXXX XXXX in the year XXXX but I fired him and hire someone else to help me purchase my home. after purchasing my home in XXXX I changed my address to my home address at XXXX XXXX XXXX. Then in XX/XX/XXXX I changed my last name to my maiden name XXXX. Then in XX/XX/XXXX changed my last name to XXXX. Please do some research and find the person liable for this identity theft. Again, I have file a police report and charges against this identity theft. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NJ

Complaint narrative:
Regarding Disputed Credit item XXXX XXXXXXXX XXXX Date Opened XX/XX/2021. 

Dear TransUnion LLC,. 
I do not recognize or acknowledge the following items listed on my credit file : XXXX XXXXXXXX XXXX LOAN TYPE CREDIT CARD I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item listed on my credit file : XXXX XXXXXXXX XXXX  Date Opened XX/XX/2021. 
As per Section 609 FCRA, I am entitled to see the source of the information, the original contract containing my ink Signature. 
If you can not verify this account with the original contract, I will expect a response of receipt of this letter to see the item in question DELETED OR REMOVED from my credit file. 
Sincerely,

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