vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30 & 60-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 explanation
Consumer complaint received 2020-04-26 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This is a complaint regarding unauthorized hard inquiry left on my credit by fraud by JPMCB CARD Inquiry date : XX/XX/XXXX JPMCB CARD Inquiry date : XX/XX/XXXX after i reviewed my report few days ago i found so many suspicious activities so right away i called three credit bureau left fraud alert on my report and i confirm this is unauthorized hard inquiry impact my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
We found out about the outstanding debt from an outside source, months after the debt had been placed on my credit report. We were applying for an apartment, when we were informed that there was a debt owed to a previous apartment complex. 

I contacted that apartment complex on XX/XX/2020, only to find out my debt had been transferred to a collections agency. After getting the name and number of that agency, I reached out to them through a phone call and tried to get more information. Neither the apartment complex or the debt collection agency made any effort to contact me via phone, email or mail to notify me of the debt before it was placed on my credit report. I was given no option to pay, dispute or otherwise keep this debt off my credit report. 

When I called the agency, they were reluctant to share information. I was given the outrageous amounts for TWO accounts and I was told the name of the agent overseeing those accounts for this debt, given a phone number for him and an email for the company. I was told I could not get information unless I emailed a request for one. So on that same day, XX/XX/2020, I sent an email request for an itemized bill. 

On XX/XX/2020 I received email responses. One for each account, but I could not see any itemization for either bill. I saw the amounts, but nothing more - and I sent another email letting the company know I had received the bill amounts for each account, but did not see the itemization I requested. I received a response within a couple of hours, letting me know I should have received the bills via email - and I have received no further communication from that collection agency since. I have not received the letter of acknowledged communications in the mail that was supposed to be sent five days after I reached out to them - and I still have not received a call, or email with explanations for the charges. 

I have sent a letter disputing the charges and their handling of those accounts. I have protested that I was not given any information about this debt before it was put on my credit report - and their mishandling of overall communications with me about this debt. I just wanted to make the CFPB aware of this company and their practices so no other consumers would be caught out with a debt on their credit reports without awareness by this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: Credit Technologies, Inc.
State: PA

Complaint narrative:
I HAVE REVIEWED MY CREDIT AND FOUND SUSPICIOUS ACTIVITY ON MY CREDIT UNAUTHORIZED HARD INQUIRY FROM CREDIT TECH/XXXX  XXXX Mortgage Companies Inquiry date : XX/XX/2018 2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: CO

Complaint narrative:
I have a C/O on XXXX, XXXX, and XXXX for AAFES/ Miltary Star Card . I wrote a debt verification letter to both the creditor ( AAFES ) and the collection ( XXXX ) and sent if certified mail. I received a letter back from AAFES for an account that is not my name associated with an address I've never lived at. Do you know how many XXXX XXXX 's there are? I never heard back from XXXX. I have also disputed with all three credit agencies and they all " verified '' the information but how can that be when this debt is not mine?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: PA

Complaint narrative:
This complaint against CREDCO has left Unautorized hard inquiry on my credit after reviewed and i already left fraud alert with three credit bureaus companies in the US on XXXX CREDCO Mortgage Reporters Inquiry date : XX/XX/2018 CREDCO Mortgage Reporters Inquiry date : XX/XX/2018 2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I cant change my account information Im XXXX for PNC Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: FL

Complaint narrative:
Date Reported : XX/XX/XXXXCollection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA 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 2020-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: AK

Complaint narrative:
I used XXXX to try to transfer money from a XXXX XXXX  to a XXXX bank account - both owned by me. 
After putting in all of the information, it said my XXXX XXXX  would not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: LEXISNEXIS
State: OH

Complaint narrative:
This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. 
I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is a complaint against Capital one has left much unauthorized hard inquiry on my XXXX  credit report without my authorization after reviewed my XXXX  report a few days ago i found there is suspicious activity on the report si i called and report fraud alert and report identity theft CAP ONE NA Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX CAP ONE NA Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 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: FL

Complaint narrative:
Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX Account Designator Code XXXX  Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA 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 2020-04-26 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: FL

Complaint narrative:
Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX  Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I have a C/O on XXXX, XXXX, and XXXX for XXXX XXXX XXXX XXXX . I  wrote a debt verification letter to both the creditor ( XXXX ) and the collection ( Transworld ) and sent if certified mail. I received a letter back from XXXX for an account that is not my name associated with an address I've never lived at. Do you know how many XXXX XXXX 's there are? I never heard back from Transworld. I have also disputed with all three credit agencies and they all " verified '' the information but how can that be when this debt is not mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
On or about XX/XX/2020 I was issued a refund by the Western Union and provided an MTCN # to collect my {$110.00}. I was told to cash this money at any of location served by the Western Union agents like XXXX, XXXX XXXX, XXXX XXXX, XXXX and other locations based on my zip code in XXXX XXXX, Maryland. Since XX/XX/XXXX, I have been to at least 5 different Western Union agents at various time and days, and all of these agents are not willing to refund or cash out my MTCN. These all locations are willing to send/collect the money, but are not cashing the recipients. I have contacted Western Union over the telephone, over their chat helpline, at least three times. Each time they are giving me a different location and would ask me to try that location. This is been going on for almost a month now. 
While Western Union agents are willing to collect cash and send money, they are not cashing out money to the recipients for last 1 month. I have also ask the Western Union agent to find the Western Union location by phone where I can go to pick up my funds, but they are keep telling me that " keep trying different locations and agents '' for last 1 month. 

It appears this is a coordinated fraud that while Western Union is collecting money from the people, but not cashing out the recipients of the funds. I have been to below 5 locations in XXXX XXXX, Maryland but no one is willing to cash out my funds. 

XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX #   XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
n XXXX I applied for Mastercard business credit card at the Sams Club branch in XXXX. 
I got a reply from Synchrony Bank on XX/XX/XXXX ( attachment ) That my application was rejected because " My company name could not be verified '' A month later I went to the Sams club XXXX again and after checking all the data in the system I sent the application again. 
On XX/XX/XXXX I got the same answer " Unable to verify business name '' ( attachment ) I would like to add that I have a corporation Amazon 55 credit line and a JCP credit line at '' Synchrony Bank '' ( attachments ) I also have a Duns number and a credit business history in 'XXXX  XXXX  ' ( attachment ) It is not possible for a Synchrony Bank to don't finds My company name. ( everywhere My company is available on the internet. I also have several different credit cards from major American banks ) ( attachment ). 

I don't know why Bank Synchrony can't verify my name?? since I already have a credit line with them?? 
It doesn't make any sense to me. 
I talked a few times in the customer service about My case, but no one knows why and cant help Me I need to help with someone who can solve the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NV

Complaint narrative:
These are not my accounts nor did I authorize these companies to pull my credit. I have never lived at these addresses either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NV

Complaint narrative:
These are not my accounts nor did I authorize these companies to pull my credit. I have never lived at these addresses either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NV

Complaint narrative:
These are not my accounts nor did I authorize these companies to pull my credit. I have never lived at these addresses either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Citi Bank/Shell/CBNA opened an account in my name fraudulently in 2017. During a routine traffic stop with the XXXX Police Department, this card along with several other cards in my name were found with an unidentified victim. I was notified by police to come to the station to file a complaint and to pull a credit report for the types of cards. I was not able to obtain the actual card because it was used as evidence. 

I contacted Citi Bank within 30 days of being notified I am an identity theft victim. I provided them with the police report, I provided them with the Federal Trade Commissions identity theft report, I provided them with proof of my address, I also provided them with proof of my name. I have provided them with every single piece of information I can find. 

I asked Citi Bank/Shell/CBNA to at least provide me with the identification of the person that opened the account, they could not because the account was opened online. 

Citi Bank is a very large company, this was in fact the smallest balance of any of the identity theft issues yet this is my most difficult case. 

Citi Bank is unaware of how it works when someone opens a gas card in your name. They continue to pay the monthly bill yet they sell gas to individuals as part of a scam. It is unethical for Citi Bank to ignore this and constitute it as not part of identity theft when they have no identifying information to validate this 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 2020-04-26 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: NV

Complaint narrative:
These are not my accounts, nor my addresses. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: FL

Complaint narrative:
Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH 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