vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 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: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$110.00}.

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.

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


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -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 2020-08-31 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: NM

Complaint narrative:
In the beginning of XXXX I wrote a complaint about XXXX XXXX XXXX, XXXX  and XXXX  not correctly reporting an account on my report. On XX/XX/2020 XXXX XXXX XXXX seemed to have corrected the issue by showing the account closed and in collections, however on XX/XX/2020 the account is now showing on my XXXX   report as open and current bringing my score back down! According to the fair credit reporting act they are to report accurate information on my credit report and have not done so! If need be I will seek legal representation from a consumer attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
In the beginning of XXXX I wrote a complaint about XXXX XXXX XXXX, XXXX and experian not correctly reporting an account on my report. On XX/XX/2020 XXXX XXXX XXXX seemed to have corrected the issue by showing the account closed and in collections, however on XX/XX/2020 the account is now showing on my XXXX report as open and current bringing my score back down! According to the fair credit reporting act they are to report accurate information on my credit report and have not done so! If need be I will seek legal representation from a consumer attorney!

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 2020-08-31 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: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$110.00}. 
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.

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


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
A credit card was fraudulently made in my name and it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AES/PHEAA
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90-120 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank called to inform me about a possible fraudulent {$3000.00} guitar purchase in Tennessee in XX/XX/XXXX. I informed Citibank I did not make the purchase. CITIBANK said it would be taken care of. Citibank did not correct the charge and proceeded to make automatic monthly payment withdrawals from my checking account, unbeknownst to me, until I noticed it in my bank statement this month. Citibank had me pay a XXXX, XXXX minimum payment so that my credit rating will not be affected until Citibank purportedly will resolve the matter.

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 monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
I have been contacting this company since XXXX, they have no contact number. It is very hard to communicate with this company for my son 's money. I have not received an adequate answer back from them just generic letters with no official signatures. They have all the information they need to complete the request and I will submit it again through this website. Let 's see what the response will be then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
RE : XXXX XXXX AUTO LEASE ACCT # XXXX XXXX XXXX XXXX is knowingly reporting my auto lease 30 days late to Experian, XXXX and XXXX for the month of XX/XX/XXXX. My lease payment was due on XX/XX/XXXX of {$240.00}. I made a successful payment on XX/XX/XXXX for {$240.00}. However, XXXX system in error applied that payment to the end of the lease in XXXX, I contacted XXXX, they acknowledged the error, but were indifferent to the 30 days late they wrongly reported and refused to update the error until the next billing cycle, In the meantime, this error dropped my credit score 40 pts. I was intending to lease another XXXX through XXXX XXXX, but now unable to do so until the 30 days late is corrected. 
I have spent hours of my own time calling and talking to numerous XXXX representatives, even receiving 2 phone calls on XX/XX/XXXX & XX/XX/XXXX, from agents who identified themselves as XXXX XXXX employees that work in the Office of the President, XXXX XXXX. They both assured this issue would be resolved, but a week later nothing has changed online or with Experian, XXXX or XXXX. 
Additionally, XXXX XXXX 's website will not allow me to make my XX/XX/XXXX payment. The payment platform gives me one option top pay {$960.00} ( which I do not owe ) XXXX XXXX is aware of this and has said once that option is corrected they will back date my payment for XX/XX/XXXX. We will see ... 
My attorney advised me to apply anyways and if XXXX XXXX   refuses me, file a lawsuit for damages. I think I will follow his advice.

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 2020-08-31 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: NV

Complaint narrative:
Transunion does not understand the meaning of " Information Furnisher ''. An information furnisher is a company that provides  information to consumer reporting agencies. Information furnisher is governed under the Fair Credit Reporting Act ( FCRA ). Examples of Information furnisher are state of municipal courts reporting a judgement of some kind, past and present employers and bonders. XXXX XXXX do not fall under this category. XXXX XXXX laws are the FDCPA not FCRA. Credit reporting agencies, such as TransUnion are required to conduct an " INVESTIGATION '' of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information, not a third source such as XXXX XXXX or any other third-party source. TransUnion continuously keeps responding to my dispute of the Bankruptcy not being mine and belongs to someone with a similar name. The filing for the Bankruptcy that is reporting on my TransUnion credit report is in XXXX. I lived in Nevada in XXXX. The bankruptcy that is showing on my credit report along with a XXXX XXXX is that of someone else with a similar name with a different address that does not belong to me nor should it be reporting on my credit report. I take my credit file seriously! I am sick and tired of the pre-made generated letters stating Transunion " VERIFIED ''! I also, contacted XXXX XXXX and they did not confirm any information to Transunion due to my file with them is frozen. I have documentation from XXXX XXXX showing that the address that is linked with the bankruptcy does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
RE : XXXX XXXX AUTO LEASE ACCT # XXXX XXXX XXXX XXXX is knowingly reporting my auto lease 30 days late to XXXX, XXXX and TransUnion for the month of XX/XX/XXXX. My lease payment was due on XX/XX/XXXX of {$240.00}. I made a successful payment on XX/XX/XXXX for {$240.00}. However, XXXX system in error applied that payment to the end of the lease in XXXX, I contacted XXXX, they acknowledged the error, but were indifferent to the 30 days late they wrongly reported and refused to update the error until the next billing cycle, In the meantime, this error dropped my credit score 40 pts. I was intending to lease another XXXX through XXXX XXXX, but now unable to do so until the 30 days late is corrected. 
I have spent hours of my own time calling and talking to numerous XXXX representatives, even receiving 2 phone calls on XX/XX/XXXX & XX/XX/XXXX, from agents who identified themselves as XXXX XXXX employees that work in the Office of the President, XXXX XXXX. They both assured this issue would be resolved, but a week later nothing has changed online or with XXXX, XXXX or TransUnion. 
Additionally, XXXX XXXX 's website will not allow me to make my XX/XX/XXXX payment. The payment platform gives me one option top pay {$960.00} ( which I do not owe ) XXXX XXXX is aware of this and has said once that option is corrected they will back date my payment for XX/XX/XXXX. We will see ... 
My attorney advised me to apply anyways and if XXXX XXXX   refuses me, file a lawsuit for damages. I think I will follow his advice.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
RE : XXXX XXXX AUTO LEASE ACCT # XXXX XXXX XXXX XXXX is knowingly reporting my auto lease 30 days late to XXXX, Equifax and XXXX for the month of XX/XX/XXXX. My lease payment was due on XX/XX/XXXX of {$240.00}. I made a successful payment on XX/XX/XXXX for {$240.00}. However, XXXX system in error applied that payment to the end of the lease in XXXX, I contacted XXXX, they acknowledged the error, but were indifferent to the 30 days late they wrongly reported and refused to update the error until the next billing cycle, In the meantime, this error dropped my credit score 40 pts. I was intending to lease another XXXX through XXXX XXXX, but now unable to do so until the 30 days late is corrected. 
I have spent hours of my own time calling and talking to numerous XXXX representatives, even receiving 2 phone calls on XX/XX/XXXX & XX/XX/XXXX, from agents who identified themselves as XXXX XXXX employees that work in the Office of the President, XXXX XXXX. They both assured this issue would be resolved, but a week later nothing has changed online or with XXXX, Equifax or XXXX. 
Additionally, XXXX XXXX XXXX website will not allow me to make my XX/XX/XXXX payment. The payment platform gives me one option top pay {$960.00} ( which I do not owe ) XXXX XXXX is aware of this and has said once that option is corrected they will back date my payment for XX/XX/XXXX. We will see ... 
My attorney advised me to apply anyways and if XXXX XXXX   refuses me, file a lawsuit for damages. I think I will follow his advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: IN

Complaint narrative:
Received a large deposit into my checking account at Chase from Massachusetts PUA unemployment of {$18000.00} on XX/XX/XXXX. I paid some bills and withdrew {$7000.00} in cash inside a chase bank. On XX/XX/XXXX about XXXX XXXX EST, I received a text message on my cell phone that my phone number had been removed from the chase mobile app and to call to get reset to be able to get into my account. I called and found out about 20 minutes into the conversation that in a review of my account/ that chase had made a decision to closed my account within 10 days and would send any remaining funds in my account to me/ no reason was given as to why my account was being closed. 
I called on Monday, XX/XX/XXXX and was told a different story by a fraud department representative that my account was being closed due to chase had been informed that all persons/ who had an account with chase and received a large deposit from any state unemployed/ their accounts were to be restricted/due to states unemployment had been hacked and the unemployment offices was not sure who was to receive unemployment and they was waiting on Massachusetts to let them know if I was entitled to the benefits. Told me to keep checking back. On the XXXX, I was told by representative my account was closed and I was asked if I wanted my funds mailed to address on file or if I had a different address/ I stated that could mail my funds of {$8300.00} to the following address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, because I would be there for the next few months to care for my sick mother. On the XXXX, I called and spoke with another representative who said that chase could not release my funds to me/ provided no explanation and I asked if I could go to a branch to get my funds released and was told no. I asked would funds be sent back to Massachusetts PUA unemployment and was told no to that as well. My account is closed and that ended my relationship with Chase and there is no reason chase is still holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020, XXXX XXXX representing XXXX XXXX   XXXX, XXXX accepted {$1000.00} as settlement paid in full in reference to a debt from XXXX. On XX/XX/XXXX my credit report stated a derogatory account with a new balance showing? Thats not our agreement and I have it in writing.

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 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
In the month of XX/XX/XXXX something popped up on my credit report for XX/XX/XXXX for {$3200.00} from Southern management syst. I was never aware of owing any company that amount in that period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
To begin with, I lived in XXXX for less than 1 year with my parents before attending school in XXXX XXXX. From my understanding, my identity was taken and was used to purchase things on credit. I have not received ANY email notification or communication from the company when the card was originally given to the wrong person. I do not own up to the debt because Ive never seen any statements come to my house, once I found out I called the company to verify the debt and I was met with anger and rudeness. I did not charge {$1700.00} to a card when I lived in XXXX. I need hard proof to show that XXXX XXXX is the one who signed up for the card because I know its not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: FL

Complaint narrative:
I have disputed, over the course of several months, 2 medical collection accounts that are being reported by Equifax. i have asked them to remove this inaccurate information from my credit report because they have failed to provide me how it was verified and their method used to verify the 2 accounts. I pointed out to them that the other 2 credit bureaus ( XXXX & XXXX ) deleted these medical collection accounts because they could not verify them, yet Equifax was somehow to magically able to verify the accounts. I have asked them to provide me with documentation that shows a binding agreement and that bears my signature. they have failed to do so and only respond as " verified ''. This is incorrect and I believe they are to be held accountable since the burden of proof lands on them as they have to report 100 % accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on XX/XX/XXXX I applied to Santander bank to refi my mortgage. My credit card was charged {$390.00} as an application fee by Santander on XX/XX/XXXX. Santander changed the rate after getting my commitment letter, which made it uneconomical for me to proceed with it. on XX/XX/XXXX I have requested in writing to withdraw my loan application. I am attaching the loan withdrawal confirmation letter I got from Santander bank. since then the bank has refused to refund me my application fee.  the fee is clearly refundable. I have tried many times but no success.

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