vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 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: OH

Complaint narrative:
I have tried on several occasions to fix inaccurate and fraudulent information on my credit report. Equifax has consistently REFUSED to even investigate. I have been sent letters saying they won't block fraudulent accounts despite sending in the FTC IDENTITY THEFT AFFIDAVIT for the fraudulent accounts. They said in other words that I was lying instead of actually investigating. 1 particular account wasn't even in my name or address, but they refused to even look into it.

It has since been taken care of by the original creditor.

They also refuse to delete inquiries that I did NOT authorize. The other 2 bureaus have done their job in removing inquiries that i did not do. I Am a victim of identity theft and my report is marked so. 
They repeatedly state that they are factual record. Factual record is that i have fraud and identity theft on my credit report. They consistently refuse to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
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.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: PR

Complaint narrative:
Equifax is still reporting these negative accounts on my credit report : 2. XXXX XXXX XXXX - Date Opened : XX/XX/2019 - Phone # XXXX - Balance {$3600.00} 3. XXXX  XXXX  - Account # XXXX XXXX - Phone # XXXX - Balance {$4700.00} 4. XXXX  XXXX  - Account # XXXX XXXX - Phone # XXXX - Balance {$820.00} I called each one of these companies and they did not recognize me in their database. I even have 3 open accounts with XXXX XXXX and 1 with XXXX XXXX. 
They also said there those accounts belong to another XXXX XXXX who has almost the same social security number than me, except for one digit, but he has the same name as I do. 

These discrepancies are only reported on Equifax. 

Also, Equifax reports an address in XXXX, XXXX  that does Not belong to be or ever has. I would not be surprised if it belongs to the other " XXXX XXXX '' with almost identical social security number than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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:
I have filed two disputes with Experian regarding information being misreported on my Experian Credit Report related to an account that was previously closed and now reopened by the creditor. The account was closed after I was let go from my previous employer. The creditor put me on a payment plan and once the balance was paid down to XXXX  the account would be reopened. The account was paid down as of XX/XX/2020. I know have a negative balance of XXXX. Reached out to all three credit bureaus letting them know to change the status of this account to open and not closed. I filed the first dispute in XX/XX/2020 and the turn around time for their decision was less than a week. The updated the balance but did not change the status from closed. Filed again on XX/XX/2020, with documentation. Again their results did not change although they said it was investigated. I called the my creditor and they confirmed the account was reopened and sent me a new credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TX

Complaint narrative:
FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of Tricolor Auto Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX  XXXX XXXX  {$170000.00} XXXX XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$220.00} XXXX XXXX  {$990.00} XXXX XXXX XXXX {$170.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TX

Complaint narrative:
FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX  XXXX XXXX  {$170000.00} XXXX XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$220.00} XXXX XXXX  {$990.00} XXXX XXXX XXXX {$170.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was going to help out and friend In need. I went to cash app them {$100.00} and it was sent to the wrong cash app. I requested it back from the person and they would not send it back. I reached out to cash app customer service and they said there was nothing the could do. They said the only way I could get it back is if the person was willing to send it back. They would not. They just kept requesting more money for me. So now I am out of {$100.00} that I could really use during the pandemic we are currently going through in America. I tried to make a claim through the bank and there was nothing they could do either because of some cash app privacy act. I was told I had to contact you guys and file a complaint to get my refund back. Any help would be great. I would really appreciate it a refund during these hard times to help put food on the table for my family. Thank you. 

Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TX

Complaint narrative:
Office Depot ( Citicard ) gives out cards without activation requirements. I had some fraud purchases that had occurred and they didnt resolve it. 

I did not make these purchases nor was it authorized. 

XX/XX/XXXX {$41.00} XX/XX/XXXX. XXXX XX/XX/XXXX. {$200.00} XX/XX/XXXX. {$450.00} XX/XX/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 monetary relief
Consumer complaint received 2020-07-21 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: VA

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting approved, trying to get cards. The account listed below is not mine. I sent in multiple letters and haven't received any response. I don't understand why is this taking so long. Please help List of the account that doesnt belong to me ; 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 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Someone at US Bank sent me a DEBIT CArd and I do not bank with US BAnk, never requested to open an account, nor plan to open an account with US Bank. Thus, must be fraud as I have zero reason for this account. PLease contact me asap, as I can not get through on the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
transaction control did not work. 
debit card was turned OFF, however someone can withdraw money from my checking and saving accounts. 
what is the purpose of turning ON and OFF.?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchased the car in XXXX XXXX however I was making the payments and realized that 2 years later I only paid XXXX toward the loan and the amount was increasing I reach out to company and said they would look into and report this I received no response and when I called they always would hang up on me I continued to pay But they repoed the car because the amount. Was never decreasing free several attempts to settle the car was repod and they said my interest rate of 26 was not why the amount never changed.The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. 
Going forward, Santander can not extend financing if a consumer has a negative residual income after taking into consideration a list of actual monthly debt obligations. Additionally, Santander is required to test all loans that default in the future to see if the consumer, at the time of origination, had a negative income. The test must include an amount for basic living expenses. If the loan is found to be unaffordable and the consumer defaulted within a certain amount of time, Santander is required to forgive that loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: SC

Complaint narrative:
These are not my accounts, nor are the addresses on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
Fraudulent charges were made as follows : XX/XX/2020 {$830.00} XX/XX/2020 {$150.00} Disputes were filed online without any sort of acknowledgment. Then we followed up with a letter to the company with the details. We had a total of three charges. We believe one was taken care of based on a refund we saw on the loan. We then also received a vague letter that did not reference an amount, date or anything.

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 2020-07-21 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: SC

Complaint narrative:
These are not my accounts, nor are the addresses on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: SC

Complaint narrative:
These are not my accounts, nor are the addresses on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: VA

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting approved, trying to get cards. The account listed below is not mine. I sent in multiple letters and haven't received any response. I don't understand why is this taking so long. Please help List of the account that doesnt belong to me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: VA

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting approved, trying to get cards. The account listed below is not mine. I sent in multiple letters and haven't received any response. I don't understand why is this taking so long. Please help List of the account that doesnt belong to me ; 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 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Can not link my pnc account to robinhood through pnc bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
I recently learned that a Judgement was placed on LexisNexis report, from XXXX, I have no knowledge of, that is hindering me from refinancing my home. I suspect identify theft. 

I never knew I had ( or heard of ) a LexisNexis credit report. XX/XX/XXXX, I learned from my lender that a company, XXXX XXXX XXXX XXXX, filed a Civil Judgement against me in New York. LexisNexis has sent me a copy of my report ( see page attached ) stating that the filing number and the amount was for {$150000.00} in XXXX XXXX XXXX XXXX, XXXX, NY. It also has a company name listed that I incorporated in Nevada but closed in XXXX XXXX attached ) and I usually go by maiden name for business this is listed under my married name. 

This judgement has NEVER appeared on any of the 3 main bureaus. I'm curious as to why, if it's suppose to belong to me, it was filed in New York. I've always lived in California. I've never been to XXXX, NY. I don't know where it is. I've never heard of this company. I've tried to request information on the account, they're crediting to me, from the company but haven't found a way to communicate. Everything I've seen concerning them says they're out of business.

Company response to consumer: Closed with explanation