vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). 
This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ).

This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I contacted the collection agency yesterday XX/XX/2020 to inform them that I dont owe or acknowledge the account balance that was owed to the account from the original creditor that claims that I owe them the amount of XXXX I would like for this account to be deleted because it is a fraudulent account not owned by me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. Please block, remove or delete this information pursuant to section FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The following three credit cards were opened illegally in my name : Capital One, XXXX, and XXXX. My XXXX XXXX was stolen from my purse. I'm the victim of Identity Theft by my deceased husband.. The Capital One credit card for {$8100.00} is inaccurate because my dead husband opened the credit card in my name on XX/XX/XXXX, without my knowledge. Also, he opened up a credit card with XXXX in my name, and it was sent to a Collection Agency, XXXX XXXX XXXX, and has a balance of {$5300.00}. Also, he opened up a credit card with XXXX on XX/XX/XXXX, and has been charged off with a balance of {$1600.00}. I did open up my XXXX 's card, but I was unaware that he stole it from my pocketbook and maxed it out to {$8000.00}. I became aware of the Identity Theft on Friday, XX/XX/XXXX, when I went to the XXXX looking to ask for a better interest rate on a personal loan. I then became aware that I was a victim of Identity Theft. My husband passed away on XX/XX/XXXX, and I have since learned that he also maxed out my mother-in-law 's credit card and took over $ XXXX from her as well. I am requesting that these items be removed to correct the information. 
I contacted a lawyer on Monday, XX/XX/XXXX and was advised to file a police report the very next day. On Tuesday, XX/XX/XXXX, I filed a police report of identity theft. I sent certified letters to each credit card company and credit bureau on Thursday, XX/XX/XXXX. I received a letter in the mail from Capital One on XX/XX/XXXX explaining how no sign of fraud was found. I then spent an hour and half on the phone yesterday ( XX/XX/XXXX ) with Capital One explaining how the credit card was opened up in my name with my information without my consent by my deceased husband and they refused to remove the debt even though I was not aware of the card and had never seen the card. Also, XXXX XXXX XXXX XXXX removed a credit card from my account from XXXX, but didn't remove the charges from where my deceased husband stole my credit card from my purse and my purchases without my consent. I received a letter on XX/XX/XXXX, explaining their was no fraud found because I benefited from the purchases. How can I benefit from a purchase that I'm not aware of? The other two credit cards he opened in my name without my consent have already been removed from my credit reports, but XXXX 's and Capital One only want to charge them off, which is hurting my credit score and my ability to borrow in the future. My deceased husband left my kids in a horrible position. He cashed out his retirement without me every knowing he had one and then to find out he opened credit cards in my name and stole another one and charged it up is absolutely heart breaking, but to know credit card companies will not work with you is absolute shame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Credit Corporation
State: NJ

Complaint narrative:
On XX/XX/2020, I previously submitted a complaint ( confirmation # XXXX ). 

AVANT Credit Card has again ( 1 ) failed to close my account and ( 2 ) applied bogus charges. The loan number assigned to me is ID # XXXX. 

Today I received another bogus charge via email. See below. Please stop these criminals! 


| AvantCard | Your Statement Hi XXXX, Your statement is now available. To view your statement, log into your account online. Here are some of the details : Statement Balance : {$29.00} Total Minimum Payment Due : {$25.00} Payment Due Date : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 I have received a debit card from U.S. bank reliacard. I believe that my personal information was use by another person to apply for unemployment or unemployment insurance program from the state of Ohio.

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 2020-11-13 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-11-13 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-11-13 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). 
This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-11-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX. XXXX, 2020, SYNCB/AMAZON add a hard inquiries on my credit report per 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 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

***SOUTHWEST CREDIT SYSTEMS : XXXX, XXXX The account balance is incorrect, please delete. 

I expect a timely response from your Credit Bureau regarding my dispute. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have major problems with Fifth Third Bank and the credit card I used to make a online purchase The product stopped working after several days and the seller did not answer or respond in any way. I filed a dispute with Fifth Third Bank and gave a full explanation This was mid XX/XX/2020 They credited the charge but I did not hear anything for three or four weeks Since this was not being handled I searched out the seller. I found him and got a return authorization return shipping label. Product was returned XX/XX/2020 via USPS I advised Fifth Third Bank the status and it appeared they just ignored it Then they charged the purchase back to my account on XX/XX/2020 On XX/XX/2020 I sent the tracking number info from the Post Office to them via email to attention of a XXXX XXXX I got no response and the charge was not removed I decided that I did everything I could so I just ignored it. Then on XX/XX/2020 I received an email XXXX XXXX XXXX that Fifth Third Bank had reported me as delinquent and my FIC O credit score had dropped 106 points from XXXX to XXXX. To put it mildly I was livid I could not get through to them and when I tried I was put on hold for over 30 minutes. So on XX/XX/2020 I sent a two page email to XXXX XXXX giving a history with attachments I know he got the email because a XXXX from his office called me and the gist of the discussion was she said well they denied your claim I am done wit h this. I now want justice and I am going to get it. If not from your agency then from another. I will not stop.I am attaching documentation to support my case

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill.I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-13 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:
Dear Experian/XXXX/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-11-13 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: NV

Complaint narrative:
My information was leaked in the XXXX  data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.

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 2020-11-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
i have a bad situation here. After Loan Depot processed my loan in XX/XX/2020 I logged into their payment portal and made a payment for {$4000.00} successfully. Half of it was applied to the principal and even their system shows that. But when I logged in today ( XXXX ) to make another payment the portal didn't allow me. I called their customer support and after being on hold for 30 minutes I spoke to someone name XXXX. She was very helpful and patient with my situation. After 1.5 hours of talking to her though she told me my account has a " Bad Stop '' on it because of bad checks, insufficient funds, bad social security, and more! I have NEVER written a check to Loan Depot. My electronic payment which included extra principal was successful and the Loan Depot portal shows that. She even confirmed my social security is correct so it appears to me someone else 's problem got logged into my account. She finally acknowledged that someone at Loan Depot messed up my account. The case number she gave me is XXXX. My loan number is XXXX. Right now Loan Deport only allows me to send money through a certified check and this is because of Loan Depot 's own mistake, not mine! XXXX said it has been escalated to her manager. I was on the phone for 2 hours this morning. I switched to Loan Depot from XXXX just because of these kinds of idiocracies. The clerk who did this to my account at Loan Depot should be found and coached. It's totally unfair that I have to go through this kind of scary situations with a bad stop on my account just because someone messed up my account, especially after I made my first successful payment. Loan Depot 's mistake is not allowing me make payments while holding me accountable for a payment they don't allow me to make because of the " bad stop '' they placed on my account wrongfully and illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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:
Dear XXXX/TransUnion/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-11-13 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:
Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XXXX : XXXX The account status is inaccurate, please delete. 


I expect a timely response from your Credit Bureau regarding my dispute. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation