vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 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 {$12000.00}, {$12000.00}. 
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/XXXXXXXX  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 {$12000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -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 2020-11-19 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several student loans that is reporting inaccurate status. They are reporting that I was 90 + days late and this information is incorrect. Please remove this inaccurate status. I was never 90+ days late on the following accounts : Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5200.00} ; I was never late 90+ days late Dept of EducationXXXX XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$11000.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$4800.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3500.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$1400.00} ; I was never late 90+ days late Dept of EducationXXXX XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$6800.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3300.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3900.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5300.00} ; I was never late 90+ days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 60 days late XXXX XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 30, 60, 90, 120 or 180 days late XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$35000.00}, XXXX, & XXXX ; I was never 30 or 60 days late

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 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been trying to request to credit bureaus to remove inaccurate report from my credit report but no changes has made. The late payments are still showing up in their monthly report. I was never late on my payments and always paid on time. These inaccurate reports is affecting my job and livelihood.

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 2020-11-19 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: MS

Complaint narrative:
I have been trying to request to credit bureaus to remove inaccurate report from my credit report but no changes has made. The late payments are still showing up in their monthly report. I was never late on my payments and always paid on time. These inaccurate reports is affecting my job and livelihood.

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 2020-11-19 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 {$12000.00}, {$12000.00}. 
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 {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$12000.00} -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 2020-11-19 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 {$12000.00}, {$12000.00}. 
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 {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have two claims on my account from charges that were made fraudelently without my knowledge. One claim was filed XXXX/XXXX/2020 ... second one filed XX/XX/2020 One claim was under investigation and I was given a provisional credit for and was told the funds were permanent and then come but then come to find out its being re-investigated and any funds issued to me from them was debited putting me at - {$1700.00} a couple months later, I had to file another claim because apparently the card that was attached to my previous FIRST claim and that was supposed to have been cancelled was in fact actually never canceled by the bank and charges were STILL being made without my authorization and couldnt understand how this was going on when they had sent me a new card and thought everything was fine .... 

The day after i file the second claim, I noticed my account had been deactivated and wasnt sure why but then 2-3 days later it was reactivated with having - {$1700.00} on my card cause they had debited my account stating that all the charges that I claimed were fraudulent were valid which is false and not to mention they had already stated those charges had been made permanent on my account and then switch to changing that statement? 

While I am dealing with this issue, I noticed I have not received any communication or notices regarding my second claim? when I call to ask, apparently one of the representatives said that it had been entered into the system but nothing has been done about when I was supposed to get THAT provisional credit in 10 business days and we are now approaching almost two months and STILL no update to either of these claim issues. 

I will do whatever I need to cooperate with the investigation and fill out any paperwork required but these charges were not made by me and I expect Bank of America to follow the laws by providing my provisional credit and give me my {$1700.00} back from the first claim they said was now over and provisional credit on my account had been MADE PERMANENT. It was their fault for not having turned the debit card tied to the first claim and if they had i wouldve never had to file ANOTHER claim because their lack of security.

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 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I got a loan from Santander USA for XXXX XXXX for the amount of XXXX and my monthly payments was XXXX a month in XXXX Santander repossessed the car I wrote them numerous of letters that was certified its reporting on my credit that I still owe XXXX if the car was repossessed and the car was probably auction or sold or lease to someone else theres no way that I owe for XXXX if the car was repossessed XXXX years after I got it. Also I got something in the mail from a attorney saying that I will be getting a check because Santander was charging their customers too much money on their cars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-11-19 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: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020, I was contacted by a Citi Credit Card representative by phone regarding a late payment, however, because I knew my accounts were on automatic payments, I thought this was a scam and did not proceed with making a payment over the phone. Instead I logged onto my account and saw not only that my auto-payment was not made in XXXX and XX/XX/2020, I was charged {$70.00} in late fees. I contacted a Citi representative via the messenger application and was informed that my account was two months delinquent because auto-payments were removed " per my request in XX/XX/2020. I explained I never requested auto-pay to be removed and that a mistake must have been made. The rep told me Citi attempted to contact me via email but they were returned undeliverable. I explained I have had the same email address for the last 12 years and have always kept my contact information with Citi up to date. I also asked why I wasn't called if clearly they had my correct phone number. I have screen shots of my messenger conversation with Citi as evidence of this conversation. 

The Citi rep even refused to forgive the late fees of {$70.00} despite my explanation that some kind of error was made. Despite this, to avoid any negative treatment, I paid my credit card balance including the late fees assessed ( {$680.00} total ). 

I later found out Citi had already submitted a negative mark on my credit report for XX/XX/2020, the same month they started to call me about the matter : Status/ Account Status = Past due 60 days. I have had this Citi credit card for over 10 years and had my account on auto-pay for over a year, suddenly without notice auto-payments were cancelled and I wasn't notified until after late fees were assessed and a negative remark on my credit was made. 

I reached out to Citi Brands Credit Bureau Disputes and sent several letters with detail and evidence attached. On XX/XX/2020, Citi responded with a letter stating they believe the information appearing on my credit report is correct, and refused to remove or amend the negative remark on my report. 

I highly suspect fraud on Citi 's part considering the suspicious manner in which auto-payments were cancelled in my account, lack of proper notice, and refusal to forgive the late fees assessed or at the very least remove the premature negative remark made on 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 2020-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several student loans that is reporting inaccurate status. They are reporting that I was 90 + days late and this information is incorrect. Please remove this inaccurate status. I was never 90+ days late on the following accounts : Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5200.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$11000.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$4800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3500.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$1400.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$6800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3300.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3900.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5300.00} ; I was never late 90+ days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 60 days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 30, 60, 90, 120 or 180 days late XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$35000.00}, XXXX, & XXXX ; I was never 30 or 60 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: GA

Complaint narrative:
There are several student loans that is reporting inaccurate status. They are reporting that I was 90 + days late and this information is incorrect. Please remove this inaccurate status. I was never 90+ days late on the following accounts : Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5200.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$11000.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$4800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3500.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$1400.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$6800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3300.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3900.00} ; I was never late XXXX days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5300.00} ; I was never late 90+ days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 60 days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 30, 60, 90, 120 or 180 days late XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$35000.00}, XXXX, & XXXX ; I was never 30 or 60 days late

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 2020-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have sent a pay for deletion letter to the company on XX/XX/2020. Ive stated a request to fully pay the charge off amount in return to delete the account completely from my credit history. Until now, I have not received any letter or any response. I would like this resolved immediately as I am trying to build my credit score towards a home loan. Thank you.

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