vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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 {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX  XXXX XXXX PA, XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX  & XX/XX/XXXX ) 4. ( XXXX XXXX XXXX  XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2020 I got a email saying my account was in the negative. I logged on to my Chase JP Morgan Bank account I found a withdrawal of {$6700.00} and another of {$230000.00} plus ( I don't remember the account balance ) but it was over {$230000.00} I called the bank and they had closed the account they told me they would be mailing me a check for the balance of the account. They gave me a phone number to the Fraud department I called them on Saturday XX/XX/2020 and asked what was going on? They said they closed my account and they did not have to disclose why and that I could never have a Chase account again. I have not received the balance of the account no notice the account was closed nothing. Chase Bank has removed the checking account from the online Banking so I can not give you the exact Balance of the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: GA

Complaint narrative:
My name XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY they are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I need my correct information updated.I have some addresses on my credit file that are not accurate. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-07-01 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: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
Prestige Financial Services They did a charge off on a account on my credit report. They are still showing a balance of {$9300.00} since they did a charge off and its been more than 180 days the balance should be XXXX. We were also told this was removed and the account is still showing. I disputed this item at least 5 times with letters and the credit bureau still say the account is accurate and remain the same. All disputes I did was followed by the FCRA regulations. I started my dispute letters XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX. 


XXXX XXXX XXXX XXXX they did a charge off on this account and the balance is showing {$2900.00} which it should be XXXX its been longer than 180 days. In XXXX when we bought our house they agreed to remove it because they sold the item to someone else but they are still showing on our credit which it should be removed. XX/XX/XXXX, XX/XX/XXXX sent two disputes, XX/XX/XXXX sent 2 disputes. All disputes followed the FCRA regulations. Our realtor can even vouch for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2020 J.P.Morgan Chase closed my account. I found out on XXXX XXXX and called the number they gave me when I tried to log into my account that day. I called and was told that my account was closed and Chase would no longer be doing business with me. They would not tell me why. I was told that I would receive my balance in 7 to 10 business days. It is now 13 business days and I haven't been able to get through to a living person as of yet, Their hold time has been in excess of an hour and I have been disconnected 2 times. At present they have received two weeks of paychecks and my social security check as of the XXXX of XXXX XXXXbut I have no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Dear Sir/Madam : Last XXXX, HSBC was offering customers welcome bonus ( or sign on bonus ) after opening a new account, and I fulfilled all their requirements. Six months after I opened my advanced checking account, when I contacted them inquiring about the bonus, they tried to find various excuses such as I didn't place an initial deposit of {$10000.00} ( the requirement was actually {$5000.00} which I did fulfill ), I have no direct deposit while I do deposit {$250.00} of my paycheck biweekly for nearly six months already, or even saying my paycheck deposit is not direct deposit etc ..., HSBC bank is trying all its best to refuse to honor the offer, and I can not believe they can cheat customers like this. 

By the way, I am not the only who they cheated, when I searched online, there are so many complains about this fraud and they are still advertising the bonus offer now ..., and I am just wondering why there is no regulatory agency to stop this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: WA

Complaint narrative:
Company is soliciting and collecting user details info even though they do not service my state ( WA ). 

I was misled into providing my name and contact information, social security number, bank balance and account numbers, and high resolution scans of my drivers license. 

Company has refused my request to delete the user details provided.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XXXX XXXX ) 2. ( XXXX XXXX XXXX & XXXX XXXX ) 3. ( XXXX XXXX & XXXX XXXX ) 4. ( XXXX XXXX XXXX   XXXX  & XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I tried to get a loan from lendistry due to financial burdens due to covid and am in a desperate situation to receive money due to lack of funds. When trying to receive the money, I input my routing and account number for my bank at PNC. During the application process for receiving this loan, I could not continue due to a message stating verbatim " PNC has made a change that prevents you from being able to link your accounts. '' This is very frustrating, because I may not be able to receive the help I need due to a logistical error with PNC bank. Also, PNC bank has continually created hurdles from multiple ( literally over 10 ) attempts to receive assistance. They should be held accountable for their poor customer service and immoral, neglectful actions which have had a severe impact on my ability to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Healthcare Collections-I, LLC
State: FL

Complaint narrative:
In or around XXXX of this year I noticed a fraudulent account listed as : HEALTHCARE COLL I LLC in amount of {$1600.00}. I contacted the credit bureaus by submittinf my FTC Identity Theft Report. However, HEALTHCARE COLL I LLC continues attempting to collect this fraudulent debt in my name and reports the fraudulent information to thr credit bureaus.

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 2020-07-01 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:
I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$600.00}. The original creditor is XXXX. I am a victim of identity theft and this debt is not mine. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, 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 2020-07-01 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: OneMain Finance Corporation
State: MD

Complaint narrative:
My XXXX credit report incorrectly listed one of my prior loans ( One Main Financial ) as 30 days past due in XXXX of XXXX, whereas my XXXX  and XXXX credit reports correctly reported that the account was not 30 days past due in that month. In fact, a One Main Financial representative assured me in XXXX that no negative information would be on my credit report because the delay in payment was caused by a technical glitch. I requested in XX/XX/XXXX that One Main Financial correct the information on my XXXX report. Rather than fix the problem, One Main Financial took retributive action against me for disputing the XXXX credit report and changed my XXXX Credit Reportmore than 5 years after the factto incorrectly state that I was late on my payment in XX/XX/XXXX. A consumer should not be penalized for disputing inaccurate information on their credit report, but that is exactly what OneMain Financial has done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 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: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act.Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
On XX/XX/2020 I received information from Experian that an investigation was done on my behalf to prove that this account was mine. I still havent received any information as to the accounts listed in my Initial disputes. For instance, they are four XXXX XXXX Accounts that are questionable. I have yet to received any written documents stating these account are mine with my signature. They keep stating that they verified these accounts but I have yet to receive anything that states these account belongs to me. This is the second request for these items. Per FCRA 601. ( A ) by Federal Law Im supposed to received written documentation stating with my signature showing these accounts are mine. Without that, these accounts are to be removed from my credit files immediately.

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 2020-07-01 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: LEXISNEXIS
State: AL

Complaint narrative:
ATTN : FACT Act Dispute Request, XXXX. XXXX  XXXX, XXXX, GA, XXXX To whom it may concern I have recently received a copy of my Lexis Nexis report and I see that you may be the nexus of all the incorrect information reporting to the credit bureaus. I will go section by section of the incorrect reporting so it will be easy for you to correct and delete this. 

In the address section of this report, you have a USPS date last certified XX/XX/2020 : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX HOW CAN I HAVE 5 DIFFERENT ADDRESSES AT ONE TIME?? 

My only address other college has only been XXXX XXXX XXXX XXXX XXXX, AL XXXX. I have proof of this with my drivers license and my bank statement I keep providing to you. If you would simply do your own investigation and reach out to these addresses you will know I have never lived at these other places. 

In Section 1 you have multiple instances of the name MR XXXX XXXX XXXX. My name has never been XXXX. This incorrect name is also only attached to incorrect addresses, not my actual address. The fact you have an incorrect name lets me know you have done no research or due diligence into the protection and accuracy of my data. 

In section 3, in the Educational Records, you have me attending XXXX  XXXX University. The reported age is XXXX! Im XXXX now and I am attending XXXX XXXX University! I have proof in the form of a transcript. Where are you getting this information from??? Are you suggesting I live at 5 different places AND attend multiple schools at the same time? You dont even report my actual school! 

You can not keep saying youre verifying information when all you are doing is typing my name into a database and it is spitting out the same incorrect information. Call these people, call the courts, call the owners of these homes, and verify it that way. Ask for my signatures and ACTUAL proof. Otherwise, you are just wasting my time and deteriorating my quality of life because of your incorrect data. If you do not correct this, I will be seeking damages in court. 

Resolution Remove all incorrect names, addresses, schools, and public records attached to these incorrect names and addresses. 

Proof of Incorrect Information ( Attached ) Proof of Address ( XXXX XXXX XXXX XXXX XXXX, Al XXXX ) Drivers License, Bank Statement, Transcript Proof of Identity Theft Police Report Proof of School Transcript

Company response to consumer: Closed with explanation