vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 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: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2020-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i cant get a response from the credit agencys The accounts listed here and several others that i have no room to list are not mine and represent fraud by being posted on my credit file. This was concluded after checking my personal information in my credit file and noticing variations of names and addresses that were not mine, nor did I change my name or address since these fraud items were noticed to confuse the fact of who I am. I'm not aware of who is responsible for my identity misuses and I just learned of this identity theft after viewing a recent credit report of which accounts reference in this FTC complaint contains within. I will be researching fraud alerts that are entered in my credit file along with this FTC filed notice. Because of the severity in damage this fraud is causing, Im seeking legal counsel that will inform me further in reporting this to the proper law enforcement department and once completed I will then update this incident with a case number to follow up with the Consumer Financial Protection Bureau

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for multiple American Express credit cards today XX/XX/2020 and was denied for all credit cards My credit score XXXX, annual income {$200000.00}, and employment 3+ years with same company. 

I believe American Express has placed me on a blacklist due to a delinquent account that was closed more than 10 years ago. It's unjust to hold someone responsible for a credit mistake for their entire life for something that can't be resolved. 

I believe this information is being used to deny me credit and American Express denies the existence of such a black list.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I had filed a complaint XX/XX/XXXX about my credit report and XXXX XXXX XXXX is reporting m

y personal information, I have never done business with them. Also, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission 2 XXXX XXXX XXXX to release my medical information. I am aware that HIPAA does allowed for limited information about me but anything more their XXXX XXXX XXXX is only to be revealed with the patients authorization therefore my request is to fold as follows. Validation of debt a HIPAA authorization. 1. Please provide breakdown and fees including any collection calls and medical charges from XXXX XXXX XXXX 2
. Provide a copy of my signature with the provider of service to release my medical information to you.

Please notify me when the above items have been deleted I am also requesting an updated copy of my credit report which should be sent to the address and the email listed in this 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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had filed a complaint XX/XX/XXXX about my credit report and XXXX XXXX XXXX  is reporting my personal information, I have never done business with them. Also, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission 2 XXXX XXXX XXXX to release my medical information. I am aware that HIPAA does allowed for limited information about me but anything more their XXXX XXXX XXXX is only to be revealed with the patients authorization therefore my request is to fold as follows. 
Validation of debt a HIPAA authorization.

1. Please provide breakdown and fees including any collection calls and medical charges from XXXX XXXX XXXX 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
Please notify me when the above items have been deleted I am also requesting an updated copy of my credit report which should be sent to the address and the email listed in this report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I and the customer service both have tried to talk to the dispute team regarding the XXXX disputes back in XXXX that I never gotten. and the dispute finally gave me a letter that they want me to mail back to them by XX/XX/XXXX how is that even possible and i don't even have a fax machine, why do you guys expect so much out of me during this time of covid 19? please read my attached document i never gotten anything from XXXX i tried to contact them so many time and this is why i'm making this disputes there about 7 or 8 disputes since i never gotten any of the items and i was charged account ending in XXXX. 

transactions late XXXX and XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$370.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$130.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$320.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$10.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$10.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$77.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX {$36.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that Experian sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information. 
The following companies I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Yes CHIME closed my account for no specific reason or they won't tell me why they closed the account I asked them to mail me a check they told me they needed documentation which was a bank statement in the last 30 days with the address on it proving the address was correct. Then they asked for a letter explaining the funds that was put in the account which I sent a letter from the unemployment office explaining the funds I also sent them my lease a picture of my state ID a ( front and back ) a picture of my social security card and they are still refusing to release my money and I have called them multiple times and they keep giving me the run around so I want to file a lawsuit and I would like to press charges for theft, because this has been going on for 6 months and I still have yet to receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: 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 {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 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.

-- COLLECTION ACCOUNT 1. XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1000.00} -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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have never missed payments with XXXX  XXXX  XXXX  YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have never missed payments with XXXX XXXX XXXX  YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: 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 {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 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.

-- COLLECTION ACCOUNT 1. XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1000.00} -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 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
my bank account has XXXX been frozen with capital one bank since the end of XX/XX/2020. I cant get no answers from the bank and they keep telling me there back end will be in touch with me and I'm so frustrated cause it has hurt my business tremendously. The SBA gave me a loan they accepted the loan then wan na tell me its frozen and they have to make sure the money belongs to me is fraudulent on the banks behalf I feel as if the bank has stolen my money and has seriously hurt my business that i must now close if i do not receive the funds and I'm getting a bill now from capital one to repay something the bank has.not yet released to me as of today the bank still is holding my money. Capital one needs to be under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I have never missed payments with TD AUTO FINANCE YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that XXXX  sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information. 
The following companies I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2020-10-26 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: NC

Complaint narrative:
I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that XXXX sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information.

The following companies I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX card was stole from XXXX in car thief called in stolen but they still sold debt to asset acceptence and now there filling wrong amount law suits. the amount was less then XXXX in XXXX. The law suit if for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
XXXX  XXXX  and Frontline Asset are both contacting me regarding a debt that i di not owe. They have yet to show proof of my actually signature just a bill that supposedly is mine. In addition they sent me a bill with an address from New york never lived or was a resident of new york then a year later it shows a bill dated to my address. total incorrect, i believe this was identity fraud. i have sent numerous of certified letters stating that its not my debt and they have the wrong person. They have affected my credit report in addition this was on my credit before and then it was removed due to inaccuracies. They are looking for someone to pay this debt that is why they are bouncing it around to other collectors trying to make money off of me. I do not have a contract with them nor did i sign anything with my legit signature. they are not layers so the need to remove it and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: PA

Complaint narrative:
CREDIT COMPANY DROPPED MY CREDIT SCORE 50 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT.

There are address listed below that are not mine. they have yet to show proof of how these address are mine. 
XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX AND XXXX account that is listed as charged off needs to be removed due to the court documents i sent in and its pass the 7 year mark as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: MD

Complaint narrative:
Unknown account appeared on credit report. I have never heard of this company or this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
Lender illegally threatening to repo vehicle during COVID-19 Pandemic ( I live in the state of MD and we are still under a State of Emergency. I lost my job on XX/XX/2020 and have explained this to the Lender multiple times. I am familiar with their scheme. When you don't answer at least three of their phone calls they send the repo letter. However, as indicated, we are still under a State of Emergency and at the time the Lender sent the letter I was only 35-45 days late and had been in FULL communication with them of my situatuion. I am currently only receiving {$170.00} in unemployment per week with a mortgage of {$1600.00} and other utilities. I am doing the best that I can with the meager savings that I did have prior to the pandemic ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
I have no knowledge of this debt. I have not received any notification of debt collection. I was not given an opportunity to dispute or receive validation of debt.

Company response to consumer: Closed with explanation