vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5700.00}, {$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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 3. 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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5700.00}, {$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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 3. 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 2020-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, i hope that everything is well I was w

orking on Coinbase very well but right now my account is under review and i cant send or receive money there, i have around XXXX  $ there friend, and i'm really scared about. They can't talk with me via Email, i've opened a ticket but they closed it few day after

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: MO

Complaint narrative:
The following account has misrepresented my credit file and worthiness for years now. However, it was rightfully removed in XXXX, but reappeared in XXXX without warning as promised by the FCRA. Dates and amount unconfirmed. Never received any physical documentation as previously and many times over requested. This account has been paid ( 1099 c ) meaning there's no debt owed. Nor has my request for the Method of Verification into this matter been met. Keeping in mind as a general rule electronic Verification can not be suffice in such manner. Please remove and permanently block this over aged unauthorized account ( XXXX XXXX ) from my credit file immediately. Your cooperation is appreciated.

1. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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 {$0.00}, {$5700.00}, {$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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 3. 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 2020-10-13 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: MO

Complaint narrative:
The following account has misrepresented my credit file and worthiness for years now. However, it was rightfully removed in XXXX, but reappeared in XXXX without warning as promised by the FCRA. Dates and amount unconfirmed. Never received any physical documentation as previously and many times over requested. This account has been paid ( 1099 c ) meaning there's no debt owed. Nor has my request for the Method of Verification into this matter been met. Keeping in mind as a general rule electronic Verification can not be suffice in such manner. Please remove and permanently block this over aged unauthorized account ( XXXX XXXX ) from my credit file immediately. Your cooperation is appreciated.

1. 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 2020-10-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a notification that my account was 45 days past due. I have had this account since XX/XX/1995 with no late payments ever. So I sought to understand how this transpired.

1. I received a new card with changed terms and Citibank disabled my auto pay.

2. I went on line to re-establish the autopay set up. I also made payments of {$500.00} for the month of XXXX and XXXX. 
3. Citibank processed two payments for the month of XXXX for {$500.00} and autopay for whatever reason was not set. 
4. Consequently, the payment for XXXX was not processed. 
5. When the XXXX Payment went past due, I did not receive a phone call.

6. I was added to the do not call list without my authorization and is the reason why I did not receive a phone call that my account was  past due and therefore could not take corrective action. 
7. It appears an old number ( XXXX ) XXXX was called on one of my other citicards-not the account in question. Citibank authorized a do not call without my speaking to me. They never called me on the correct number that was tied to the account in question. It seems protocols were not followed. 8. So here I am with a 30 day past due on my credit report due to no fault of my own as Citibank disabled my autopay, processed
payments incorrectly and authorized a do not call without my permission. I would like to have this corrected on my credit report.

9. We are in the middle of a pandemic and I understand the banks are overwhelmed and many people are in financial distress. So, things may have slipped through the cracks. However, I should not be penalized for attempting to pay my account on time as I always have.

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 2020-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was looking over my credit report i noticed i had a lot of inquiries and i called the credit bureau and was told that couldn't help me and I have to contact the company 's and they have given me numbers that don't work it's not right and after doing more research I found out my social security and information is on the web

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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a notification that my account was 45 days past due. I have had this account since XX/XX/1995with no late payments ever. So I sought to understand how this transpired. 1. I received a new card with changed t
erms and XXXX disabled my auto pay. 
2. I went on line to re-establish the autopay set up. I also made payments of {$500.00} for the month of XXXX and XXXX. 
3. XXXX processed two payments for the month of XXXX for {$500.00} and autopay for whatever reason was not set. 
4. Consequently, the payment for XXXX was not processed. 
5. When the XXXX Payment went past due, I did not receive a phone call. 
6. I was added to the do not call list without my authorization and is the reason why I did not receive a phone call that my account was past due and therefore could not take corrective action. 
7. It appears an old number ( XXXX ) XXXX was called on one of my other XXXX-not the account in question. XXXX authorized a do not call without my speaking to me. They never called me on the correct number that was tied to the account in question. It seems protocols were not followed. 
8. So here I am with a 30 day past due on my credit report due to no fault of my own as XXXX disabled my autopay, processed payments incorrectly and authorized a do not call without my permission. I would like to have this corrected on my credit report. 
9. We are in the middle of a pandemic and I understand the banks are overwhelmed and many people are in financial distress. So, things may have slipped through the cracks. However, I should not be penalized for attempting to pay my account on time as I always have.

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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My XXXX  XXXX c

ard and PNC credit cards have all been hacked multiple times. After so many times of disputing transactions I decided to freeze those credit cards, until I could catch up on all the transactions that were going on. You see, i worked as a XXXX  XXXX  for the XXXX XXXX with a
company called XXXX XXXX XXXX. For 6 years I collected a few XXXX XXXX XXXX/XXXX XXXX, and XXXX XXXX  another XXXX XXXX XXXX  all of which were under deadlines. There was not much down time let alone cell service to keep up with these fraudulent charges, and from using unsecured WiFis like XXXX, cheap hotels ( had a phone stolen also a riffle ), XXXX to send XXXX XXXX data in didnt help. 
I gave the XXXX XXXX everything I had, and now Im paying for it. With no PNC banks east of the Mississippi, and me being thousands of miles from home, I Found myself forced to not even dispute some charges just for the fact id be trapped without money.

Both the PNC credit card and XXXX XXXX did notify me of fraudulent charges, but being in the national forest for weeks at a time I would end up finding myself getting behind and behind, to the point that Ill never catch up to the wrongful/disputed charges. I also need a new S.S number, I cant even check XXXX XXXX because someone already has it under my email. I gave so much to our XXXX XXXX XXXX XXXX
that I would hope Uncle Sam can help me in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: NY

Complaint narrative:
I was looking over my credit report i noticed i had a lot of inquiries and i called the credit bureau and was told that couldn't help me and I have to contact the company 's and they have given me numbers that don't work it's not right and after doing more research I found out my social security and information is on the web

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was looking over my credit report i noticed i had a lot of inquiries and i called the credit bureau and was told that couldn't help me and I have to contact the company 's and they have given me numbers that don't work it's not right and after doing more research I found out my social security and information is on the web

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 2020-10-13 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: GA

Complaint narrative:
XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-10-13 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:
XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My capital one card and XXXX credit cards have all been hacked multiple times. After so many times of disputing transactions I decided to freeze those credit cards, until I could catch up on all the transactions that were going on. 
You see, i worked as a XXXX  XXXX for the XXXX XXXX with a company called XXXX XXXX XXXX. For 6 years I collected a few XXXX XXXX XXXX/XXXX XXXX, and XXXX  marked another XXXX XXXX acres all of which were under deadlines. There was not much down time let alone cell service to keep up with these fraudulent charges, and from using unsecured WiFis like XXXX, cheap hotels ( had a phone stolen also a riffle ), XXXX to send XXXX XXXX data in didnt help. 
I gave the XXXX XXXX everything I had, and now Im paying for it. With no XXXX XXXX  east of the Mississippi, and me being thousands of miles from home, I Found myself forced to not even dispute some charges just for the fact id be trapped without money. 
Both the XXXX credit card and capital one did notify me of fraudulent charges, but being in the national forest for weeks at a time I would end up finding myself getting behind and behind, to the point that Ill never catch up to the wrongful/disputed charges. I also need a new S.S number, I cant even check XXXX XXXX  because someone already has it under my email. 
I gave so much to our XXXX XXXX XXXX/XXXX XXXX that I would hope Uncle Sam can help me in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
I filed a complaint that was closed yesterday, and there was NO resolution. The representative that responded to you did not do as they said. They attempted to call me exactly one time, from a VOIP number, that when dialed back said the number was not a working number. They sent no email to the address they have on file for me, instead sent me a masked email through this service stating they had made several attempts to reach out to me to gain further information to see what could be done. One phone call is hardly several attempts. The number that they left in the email for the fax contact is not a working number, the phone number goes straight to a voicemail box to which I left 3 messages and did not have a returned call. There were 3 cash advance attempts made on my card on XX/XX/XXXX. Two for XXXX and one for XXXX. All three transactions were declined by the card issuer, however, the funds still deducted from my balance. I called them right after it happened to start the dispute process and sent in my information, along with the batch out report the manager of the establishment gave me showing that no cash advances were processed and no money had been paid out. That was in the very early morning of XX/XX/XXXX as I was on hold for almost 3 hours. I got the fax number from the representative I was speaking with so I could fax the information in right away instead of waiting on them to mail me a form, from dealing with this company before hand with my mother I know how caniving they can be. I received the docutmentation from them on XXXX and faxed the information into them for the second time, just to make certain that there was no way they could say that I did not give it to them in time. According to Regulation E if they are going to take more than 10 business days to investigate then provisional credit must be applied until the investigation is completed. XX/XX/XXXX was the 10th business day and i was told mulitple things by different reps from their company. Today I check my balance to see if I have enough to make an online purchase and I notice that 2 of the 3 charges  were credited back to my account, ONLY to have them deducted again immediatley. They are not following their word, they are violating the law, and I am out almost {$2000.00}. If this can not be resolved by them I have no problem with escelating the situation and seeking private litigation.

Company response to consumer: Closed with explanation