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: 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 {$2200.00}. 
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 ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -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 2020-11-13 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

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 ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -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 2020-11-13 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

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 ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My account was charged 2 times for XXXX bank of the West could care less when I told them it was fraud .. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Servicer is reporting 14 loans as delinquent, and this is NOT true.

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: TN

Complaint narrative:
On theee occasions by certified mail I requested u see 606 that I be provided with proof and method of verification on several accounts because these accounts were verified with NO investigation no information was corrected or changed even the status date was years before the dispute. Further, they provided no proof of method of verification. They lied about verifying information andrefused to delete after missing the 15 day deadline. The rules say that they must delete accounts they do not provide proof of verification and they refused and ignored me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On theee occasions by certified mail I requested u see 606 that I be provided with proof and method of verification on several accounts because these accounts were verified with NO investigation no information was corrected or changed even the status date was years before the dispute. Further, they provided no proof of method of verification. They lied about verifying information andrefused to delete after missing the 15 day deadline. The rules say that they must delete accounts they do not provide proof of verification and they refused and ignored me.

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: EQUIFAX, INC.
State: TN

Complaint narrative:
On theee occasions by certified mail I requested u see 606 that I be provided with proof and method of verification on several accounts because these accounts were verified with NO investigation no information was corrected or changed even the status date was years before the dispute. Further, they provided no proof of method of verification. They lied about verifying information andrefused to delete after missing the 15 day deadline. The rules say that they must delete accounts they do not provide proof of verification and they refused and ignored me.

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 — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
Account had an active dispute on file for one in which multiple reps stated they could not attempt to collect money for said dispute but yet they continued to bill and call Then in the process of a collection call I requested covid coverage they advised the minimum was reset to {$0.00} due for the months of XXXX and XX/XX/2020 Additionally I paid the card in full mind you it is closed account and the balance was only {$230.00} I paid it off in XXXX one of the months they are reporting as well if I can afford to pay the {$230.00} clearly the {$20.00} wasnt an issue I set the arrangement much like everyone else out of growing concern for what the future held at the time given all of the uncertainty I trusted their service as prior to this point things went relatively smooth and it could very well be just an oversight but it was one of great inconvenience and greater cost to me as a customer of 8 years in positive standing they not only cost me several closed credit lines but theyve insulted me in every way since from multiple departments including the office of the President At one point credit report said 120+ days past due including months after paid off I advised them of this they said that never happen so I had to send a copy then I advised of the calls they said that never happened so I sent the logs then they said oh well we had already listening to those calls but then today they said they dont have any recordings and they were outbound calls that were lent recorded so Id say a few mix ups haha

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Creditors are inaccurately reporting items on my credit report. It was brought to my knowledge and I put in for disputes and answrs over 90 days ago and still nothing has been resolved! I have attactched my letters to prov it ..

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Creditors are inaccurately reporting items on my credit report. It was brought to my knowledge and I put in for disputes and answrs over 90 days ago and still nothing has been resolved! I have attactched my letters to prov it ..

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are inaccurate items reporting on my credit and I contacted these companies over 90 days ago about it and nothing has been resolved ... ..

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Innaccurate items are being reported on my credit report. It was brought to my attention and I took action over 90 days ago and there still is nothing resolved!!

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Innaccurate items are being reported on my credit report. It was brought to my attention and I took action over 90 days ago and there still is nothing resolved!!

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Innaccurate items are being reported on my credit report. It was brought to my attention and I took action over 90 days ago and there still is nothing resolved!!

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are inaccurate items reporting on my credit and I contacted these companies over 90 days ago about it and nothing has been resolved ... ..

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are inaccurate items reporting on my credit and I contacted these companies over 90 days ago about it and nothing has been resolved ... ..

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are inaccurate items that are reporting on my credit report. i contacted these companies over 90 days ago and nothing has been resolved nor did i recieve any explanations.

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 — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Theres evidentiary inclusive of this complaint as Evidence of the Facts, the fact is that these XXXX XXXX got {$640.00} as seen on my XXXX XXXX XXXX Statement. Also there is a letter from Portfolio Recovery Associates, LLC whereby they would request the Credit Reporting agencies [ Delete ] Portfolio Recovery Associates LLC TradeLine, to-date these XXXX  XXXX are still Reporting this XXXX in the thought of intimidation and White Supremacy with acts of continuous delays, but these XXXX XXXX got proceeds in record time from me as promised, calling on you, the Consumer Financial Protection Bureau to implore Redress immediately in this matter!

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are inaccurate items that are reporting on my credit report. i contacted these companies over 90 days ago and nothing has been resolved nor did i recieve any explanations.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are inaccurate items that are reporting on my credit report. i contacted these companies over 90 days ago and nothing has been resolved nor did i recieve any explanations.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Debt is owed by ex wife

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: Self Financial Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I check my Citibank account and I noticed few deposits are coming into my checking and savings accounts and I had to change my passwords and screen Name and I called Citibank and open up a dispute on these larger transactions and they were able to put a stop payment and cancel these transactions but there was a system glitch in the amount of XXXX that came in into my account on XX/XX/XXXX and I never did this or I dont know who bring money into my account and it was canceled and rejected after I called in and report it and it cause my Citibank account to go overdrawn by XXXX but I never withdraw or take any money out if I did then the overdrawn balance would been valid Citibank is holding me responsible for the overdraft balance due to there system glitch ... and I wont pay for this cause I never took the funds from my account and Citibank never offer me to change my account number to prevent more fraud coming in and I do have a pending lawsuit open for this XXXX that was charged into my account that cause a major overdraft on my access account ending in 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion XXXX  and XXXX  has not currently updated my credit report I have documents proving yeah continental reflex and XXXX on the website stating dirty accounts are XXXX balance I notice accounts are closed

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