vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 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: GA

Complaint narrative:
03 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Experian Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX   XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX XXXX  : XXXX Account Name : XXXX  XXXX  XXXX  account number # XXXX dated open XXXX/XXXX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX XXXX  File Number:XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX   XXXX  XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX  XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA 30809-XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA 30043-XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX  XXXX, GA XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXMULTIFAMILY ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful

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 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute with Equifax about inquires that I did not authorize on XX/XX/2020 and on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: SC

Complaint narrative:
This bill was paid in full by SC State medicaid. It is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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 — Problem with personal statement of dispute
Company: LoanCare, LLC
State: AR

Complaint narrative:
I had a home loan with the lender Loancare/XXXX XXXX for 39 months and paid all payments on time. I was selling my home and called in XXXX to get the payoff statement sent to me so I could give it to my title/closing company. The lender told me not to pay the last payment as it would be rolled into the payoff statement and would not be marked as a late payment. When the payoff went through and credit reporting was done for the month the lender marked my final payment on the loan as 30 days late. The payment was technically 30 days late but I was told it would not be marked late as it would be rolled into the payoff statement. This is adversely affecting my credit score to where I can now not purchase a new home and is at very best a miscommunication and should be forgiven as a late payment since it was not a late payment due to inability or unwillingness/forgetting to pay. I did not pay the bill at the direction of the lender and therefore do not think this late should be on my credit report.

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 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.

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 2020-04-22 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
In XXXX of XXXX a XXXX XXXX card was opened in my name and it was determined that it was fraudulent because they could not verify the identity of the applicant. I contacted XXXX XXXX XXXX XXXX XXXX to remove the account from my credit report and the inquiry in XXXX of XXXX. Initially they informed me that they could not, but eventually they did. What I did not know is that they also sent a fraud alert to all of the credit reporting agencies. So in XXXX of XXXX when I attempted to apply for a XXXX credit card I was denied the ability to apply for credit because XXXX XXXX had sent a fraud alert on my account. XXXX informed me that they could not verify my identity based off of the information from XXXX  XXXX XXXX XXXX. So in XXXX of XXXX I went to the websites of all the credit card companies XXXX, XXXX  and XXXX  and followed the instructions to have the alert removed from my file because it was blocking my ability to access new lines of credit. 

I went online for XXXX  and mailed a letter for XXXX, but I did not receive any confirmation from any of the companies. Most recently, I had to call back on XX/XX/XXXX because American Express XXXX XXXX XXXX informed me that XXXX  still had a fraud alert on my account that required them to verify my identity before we discussed any account information. 

I check my credit report every week through American Express ' XXXX XXXX XXXX which is powered by XXXX  and it did not list a fraud alert notice for XXXX to present date. On XX/XX/XXXX American Express informed me that they had to do a security check, which should have only been a soft inquiry. However, it was listed on my credit as a soft and a hard inquiry. I would like the hard inquiry to be removed. I contacted XXXX on XX/XX/XXXX and they removed the fraud alert. But I had already previously contacted them in XXXX of XXXX to remove the alert through their online portal, so it already should have been removed. So, the American Express soft inquiry should have never occurred since I had already contacted XXXX  in XXXX to remove the fraud alert. I called again on XX/XX/XXXX to get the American Express hard inquiry removed from my report because American Express stated it was due to the fact that XXXX  placed a fraud alert on my credit report. I never authorized a fraud alert to be placed on my account and in XXXX of XXXX I went to XXXX and submitted the documentation electronically for the fraud alert to be removed from my account in XXXX of XXXX and XXXX of XXXX. 

Frankly, I want the American Express hard inquiry removed from my account because I did not apply for credit with American Express. They stated it was a security measure from XXXX  that I did not authorize on my credit report which all stemmed from fraudulent XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.

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 2020-04-22 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: NY

Complaint narrative:
im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: NY

Complaint narrative:
im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my Best Buy credit card and used it while I was really sick with XXXX I was down and out for over a year and more sick so Im now going over my account and report and seeing all of this.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
have been using cash app over a year now my money was deposited directly from my job never had a issued till now with my irs check had a call, text, email to verify my account so i did thinking this was cash app i've emailed several thousands emails to cash app asking for my money with nothing but we do not answer this email address please see attached photos below they stole XXXX dollars from me and i need it back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
As per usual I made my XX/XX/2020 payment ( {$40.00} ) on card and in XX/XX/2020 made a {$62.00}, payment, payment made thru bill pay on bank website, like I always do. On my XXXX statement I got a past due charge of {$25.00}, verified I'd made payment on time then called the credit card co to ask what gives, Was connected to the Payment Investigation Dep. told them payment had been made on time and they said they'd look into it, but I needed to send them proof via an Electric Funds Transfer report. I was on phone for over an hour being transferred back and forth to different depts and being disconnected twice. On XXXX statement got a {$25.00} past due fee adjustment and a past due charge of {$38.00}. I called again, was told again they would look into it but I needed to send them proof via an Electric Funds Transfer report. I was on phone for almost 2 hours being transferred back and forth to different depts and being disconnected twice.. Then I started getting past due e-mail notices. On XX/XX/2020, I had talked to the banks Assistant Vice President who also called Capital One and spent almost an hour on the phone with them trying to resolve this. She also sent them a letter with copies of my transaction activity as well as transaction detail screen shots. XXXX statements showed both payments credited and charges reversed. Then yesterday got a letter from Cap One stating the info sent was not sufficient and needed more info and asked for front and back copies of check or money order which I don't have because I paid thru bill pay on bank website. Enough is enough, I'm now contacting you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: IL

Complaint narrative:
The company is reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my Homedepot credit card and used it while I was really sick with XXXX I was down and out for over a year and more sick so Im now going over my account and report and seeing all of this.

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 2020-04-22 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:
In the month of XX/XX/2020, I discovered that there was fraudulent information/accounts on my personal credit report and I researched how to correct this information to move forward. I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, Experian, XXXX XXXX and XXXX via certified mail with tracking numbers which cost me approximately {$37.00} to do this. Experian Certified Tracking Number : XXXX, XXXX XXXX Certified Tracking Number XXXX and XXXX Certified Tracking XXXX. I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. Today, XXXX XXXX makes this well over the 30 day mark and it is now 59 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$110.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.

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 2020-04-22 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: NY

Complaint narrative:
Accounts are not my items

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 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX i deposited XXXX from my chase account to my TDbank account by depositing a check in drive thru, to my shock the next day my account was frozen. 
Tried to reach TD by phone several times last week, after holding for almost an hour each time phone was disconnected. 
On XX/XX/XXXX finally reached customer service after 2 hours of holding the phone, abruptly transferred to fraud unit who verified all the info and promised to lift the freeze from my account within 24-48 hrs. which has still not happened, i have spent almost 4 hours on the phone today wed. XX/XX/XXXX and no one can help. 
Meantime i am unable to access my account and missing many transections -deposit and withdrwals for which i want TD bank to be responsible for compensating me for my losses. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
Trans world systems This debt has been paid in full. Im fact, its one of the initial statements that is made when I call in for information regarding this matter. My companys payroll requires them to send in written confirmation either by mail, fax, or both in order for the garnishment to be ceased. This company states that they have done both, however each time a representative from my company contacts me they inform me that they have received nothing. I have requested & left messages numerous time for a member of management from the collecting company to contact me. There is is always an excuse or either a dead line on the end when they do call. This has been ongoing for almost a month now & this company continues to garnish wages that are no longer owed. They also have no record of a check that was sent to them in the exact amount of XXXX. This check was tracked & it has been ruled that a member of trans world in fact received this payment on XX/XX/2020. No one has given me any legitimate reason why this payment was not posted to my account. This account is paid in full. There is money owed back to me that this company refuses to account for. I am only given the runaround time after time & paychecks are continued to be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I think this is from my identity being stolen a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: NY

Complaint narrative:
Accounts are not my items

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 2020-04-22 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:
I had a dispute from buying counterfeit merchandise for " hydralic press ''. 
I had multiple disputes with XXXX due to counterfeit merchandise. When I spoke to the capital one disputes agent on the phone I told them to highlight all dhgate charges that I had an issue with. They did not highlight this particular charge for the amount of {$990.00}. Original date of charge XX/XX/2018. 

This is counterfeit merchandise and this issue should be taken care of the first time I tried to dispute these charges. After reviewing my statements at the end of the year I saw that the charge was never offically disputed, so I brought this to the attention of the Capital One dispute department. They told me that 540 days had passed so they could not do anything about the charge. Then they sent me a contradicting letter stating that I had to report this issue within 60 days. The original agent who helped me with all my XXXX disputes should be disputed this. I told them " please dispute all XXXX charges ''. Clearly they did not do their job correctly and I should be be responsible for this. 

All paperwork from dispute including my opinion, my receipt and 3rd party opinion were all sent in as requested by the Capital One Disputes department. 

The original dispute case number that was not handled correctly is XXXX

Company response to consumer: Closed with explanation