vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting that XXXX be deleted due to me being a victim of identity theft. I have contact XXXX XXXX and they have no records and says the account has been transferred. There is no account number listed but it is reporting on my credit report. I have contacted the company and they are not responding to me and this is from my identity being stolen in 2017. 


I ask that they please accept my Federal Trade Commission Affidavit and XXXX Police Report and delete.

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 2021-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I did not recieve medical attention in 2019 nor would my actual medical records reflect that

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account with Citibank. I had to keep the amount for three months. I had to deposit XXXX into the account. I had to keep that amount in the account for three months. At, the end of the three months I should've received XXXX cash bonus. I opened the account in XX/XX/2020. Should've received my deposit in XXXX. I called Citibank over 5 times. They are telling me that the account that I opened doesn't have the correct code.

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 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a payment and it was late a few days. I immediately called to resolve and they said it would not be reported and even reversed the charges, They still reported and on some of my credit accounts have as a missing payment, which is incorrect because I resolved. I have called several times and they said it should have been removed.

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 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
i did not recieve any medical attention nor would my actual medical history reflect that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: GA

Complaint narrative:
I received a copy of my credit report from Equifax and found the following item to be error. 

The following address listed below does not belong to me & must be removed immediately : XXXX XXXX XXXX XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: NV

Complaint narrative:
i did not recieve medical attention in 2020 nor would my actual medical records reflect that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MD

Complaint narrative:
There are accounts listed on the attached file which are listed my credit report that I have no knowledge of or an error!

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 2021-05-17 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: MD

Complaint narrative:
There are accounts listed on the attached file which are listed my credit report that I have no knowledge of or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
Certified mail was sent to XXXX, Transunion, and XXXX  regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX XXXX, Transunion, and XXXX  failed to investigate and have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. XXXX, Transunion, and XXXX  responded with a letter negative listing verified. Who verified these accounts?

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this 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 explanation
Consumer complaint received 2021-05-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Certified mail was sent to Equifax, XXXX, and XXXX regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX  failed to investigate and have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Equifax, XXXX, and XXXX  responded with a letter negative listing verified. Who verified these accounts? 

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hello, I am writing in regards to an account that is listed on my credit report under the name on LVNV funding, this debt was paid and settled with a company by the XXXX XXXX XXXX XXXX. I have submitted my bank statements and payment confirmation via XXXX  but have had no success. There has been some mishandling in the chain of custody of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I got a copy of my credit report, which I have never seen before and it was shocking to see the amount of fraudulent activity. There were addresses that didn't belong to me and I contacted the credit bureaus and was told paperwork had to be sent to them to have my issues addressed. I told them I did not recognize the inquiries on my report and based on my consumer rights I wanted them deleted immediately, especially since XXXX and Experian have had breaches that put my credit information in the hands of thieves. They said I would have to prove again who I was by answering more verification questions after they already verified who I was. I don't know if the agent understood what I was saying about my rights cause they did not sound like their first language was XXXX. Out of frustration I filed a report with the FTC # XXXX. These accounts/inquiries should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.

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 2021-05-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
My lease financed through Chrysler Capital for a 2018 XXXX XXXX XXXX was paid off via dealer buyout, when trading in for a new vehicle purchase at another dealer, for the agreed upon buyout price. However, Chrysler Capital has continued to apply the regular monthly " amount due '' to my account as well as assess late fees, even though the account was paid in full, and even reported closed on my credit reports. 

*A payment was made for the regular amount due ( but not late fees ) for fear of having to then fight a missed payment reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
Certified mail was sent to XXXX  XXXX and Experian regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  and Experian failed to investigate and have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. XXXX XXXX and Experian responded with a letter negative listing verified. Who verified these accounts? 

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this 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 explanation
Consumer complaint received 2021-05-17 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report and found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXXXXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address.

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 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
did not recieve medical care in 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: WA

Complaint narrative:
I am a victim of identity theft, I have noticed fraudulent inquiries on my consumer report, please see attached FTC report and remove the fraudulent inquiries please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I booked flight tickets through the Chase travel portal using my Chase XXXX Rewards. The flight was scheduled for XX/XX/XXXX, which didn't happen due to COVID19 pandemic. 

The flight itself went through several changes and Chase didn't give me any update in time. I had to call several times, each time holding the phone for more than an hour without getting sufficient status on the airline and flight status. The agents always promised to do more research and emailed me but none did. This can be verified by Chase 's recorded phone calls with me. 

The last update I received from Chase regarding this flight was on XX/XX/XXXX. I was informed of the credit I received due to this flight being cancelled. In the email, Chase also promised to come back with more details regarding when I'll need to use the credit. 

I tried to call Chase in XX/XX/XXXX regarding conditions and terms of the credit. There was no update and the agent promised to email me after finishing the research. I never received any email or phone call from Chase regarding my flight. I bought this ticket on its {$550.00} Chase XXXX card, which I subsequently cancelled due to this frustrating experience. 

Today, which is almost 1 year since Chase 's last update on this flight ticket, I googled the internet to learn that this airline has gone into bankruptcy. I still do not hear from Chase what's the status of my flight credit and if I could get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 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: GA

Complaint narrative:
I recently received a copy of my credit report and found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: AZ

Complaint narrative:
1. I have disputed this account for inaccurate information, yes XXXX  and Experian have not responded with accurate response.

2. In the payment history is says that the last payment is XXXX but the payment record it shows payment was made XXXX XXXX. XXXX is reporting inaccurate information. 

3. The Date of Last payment shows XX/XX/XXXX and says XX/XX/XXXX, yet the date last active XX/XX/XXXX - XXXX is reporting inaccurate information. 

4. Date Open : XX/XX/XXXX - Is not accurate. 

5. Balance Owed : {$7800.00} is inaccurate I'm requesting that accurate account information be presented and changed, or this account taken off my credit report, due to inaccurate information. This is a violation of my rights.

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 2021-05-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I submitted compliant # XXXX which the retailer said the resolved by giving me a refund and sending me a new card on XX/XX/XXXX. I have never received the new card and it is now XX/XX/XXXX. I need this compliant reopened and have my new card sent to me. 

This is their response : Due to the claim of unauthorized activity on your account, we have replaced your card as a security precaution. Replacing your card will help protect your account and stop unauthorized activity from continuing. You should receive your replacement card within 7 to 10 business days. However, due to COVID-19 there may be additional delivery delays with the postal service, so please allow up to 15 business days for the delivery of your card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I got a copy of my credit report, which I have never seen before and it was shocking to see the amount of fraudulent activity. There were addresses that didn't belong to me and I contacted the credit bureaus and was told paperwork had to be sent to them to have my issues addressed. I told them I did not recognize the inquiries on my report and based on my consumer rights I wanted them deleted immediately, especially since XXXX and XXXX have had breaches that put my credit information in the hands of thieves. They said I would have to prove again who I was by answering more verification questions after they already verified who I was. I don't know if the agent understood what I was saying about my rights cause they did not sound like their first language was English. Out of frustration I filed a report with the FTC # XXXX. These accounts/inquiries should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.

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 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I got a copy of my credit report, which I have never seen before and it was shocking to see the amount of fraudulent activity. There were addresses that didn't belong to me and I contacted the credit bureaus and was told paperwork had to be sent to them to have my issues addressed. I told them I did not recognize the inquiries on my report and based on my consumer rights I wanted them deleted immediately, especially since Equifax and XXXX  have had breaches that put my credit information in the hands of thieves. They said I would have to prove again who I was by answering more verification questions after they already verified who I was. I don't know if the agent understood what I was saying about my rights cause they did not sound like their first language was XXXX. Out of frustration I filed a report with the FTC # XXXX. These accounts/inquiries should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital accounts in XXXX TN is trying to collect on a account under my name for the amount of {$430.00} I've reported the account as a fraudulent account about XXXX yrs ago and it still on my credit report. I then told them to send me a credit validation letter. and I haven't heard from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX  IS INCORRECTLY REPORTING LOWES BY SYNCB IS MISSING PAYMENTS. THIS ACCOUNT WAS SETTLED. The bank tried to collect additional funds. This account was settled. Why does XXXX XXXX  continue to fraudulent report the account is not paid.

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 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/13 M & T Bank closed my savings and checking accounts totaling {$38000.00} without warning or explanation. Two very active accounts with money constantly moving in and out of those accounts just suddenly gone sending me scrambling. I have not received the balances and don't know how or when to expect my money from this institution.

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 2021-05-17 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:
I received a copy of my credit report and noticed fraudulent accounts this is stopping me from obtaining credit.

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