vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I Can not get my annual free credit reports due to errors in my idenity. Somethung in my report is not matching and this goes for all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: ALLIANT CREDIT UNION
State: TN

Complaint narrative:
I am a victim of identity theft. Because of the identity theft I ordered my XXXX report and found the following inquiries that were not authorized by me : Alliant Credit Union XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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 AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had a numerous amount of unauthorized transactions posted to my account from XX/XX/2020 to XX/XX/2020 by the ride sharing company XXXX. I have tried to get this issue resolved by my bank but unfortunately to no avail. 

Dates and Amounts : XX/XX/2020 {$19.00} XX/XX/2020 {$17.00} XX/XX/2020 {$12.00} XX/XX/2020 {$11.00} XX/XX/2020 {$21.00} XX/XX/2020 {$26.00} XX/XX/2020 {$28.00} XX/XX/2020 {$43.00} XX/XX/2020 {$12.00} XX/XX/2020 {$12.00} XX/XX/2020 {$22.00} XX/XX/2020 {$26.00} XX/XX/2020 {$25.00} XX/XX/2020 {$26.00} XX/XX/2020 {$25.00} XX/XX/2020 {$26.00} XX/XX/2020 {$28.00} XX/XX/2020 {$26.00} XX/XX/2020 {$26.00} XX/XX/2020 {$29.00} XX/XX/2020 {$37.00} XX/XX/2020 {$33.00} XX/XX/2020 {$25.00}

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 2020-12-08 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 {$560.00}, {$340.00}.

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.

-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -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 2020-12-08 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 {$560.00}, {$340.00}.

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.

-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I Can not get my annual free credit reports due to errors in my idenity. Somethung in my report is not matching and this goes for all three credit bureaus.

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 2020-12-08 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:
I have been receiving notices of dark web activity from my XXXX  Credit Monitoring Application since XXXX of XXXX, notifying me of Personal Identifiable Information being circulated. I initially didn't act as I was refinancing my home and didn't notice the fraudulent entries. Shortly after, I saw a significant drop in my credit score and multiple entries ( inquiries ) on my report. My wife and I hired XXXX XXXX to repair and prepare our accounts for the refinance ; they removed some entries, leaving others to carry-over ; XXXX  refused to remove any inquiries. Around XXXX of XXXX, I started receiving new Dark Web activity notices and further data breaches that directly affected my wife and me. I started seeing new inquiries and disputed all of these inquiries online immediately. This run resulted in all three bureaus refusing to remove any inquiries. I then noticed two " new bank account opened '' alerts for XXXX XXXX  and XXXX XXXX XXXX, I didn't open any new bank accounts, so I call XXXX XXXX  and XXXX XXXX XXXX to confirm. The banks confirmed that new accounts were opened in my name but provided no additional information. I called the Police non-emergency number for assistance, and an officer was dispatched to my home. He tried to gather more intel regarding identity theft, but the banks refused to provide additional information. After receiving no data from the banks and no help from the credit bureaus, I filed a report with the United States Postal Inspection Service, locked our XXXX  Reports, placed fraud alerts on all three bureaus, placed a freeze on XXXX, XXXX, and XXXX, and filed a report with the FDIC. Once we completed the preceding tasks, my wife and I drove down to the Police Station and filed a formal Police Report to document the fraud.

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 2020-12-08 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 have been receiving notices of dark web activity from my Experian Credit Monitoring Application since XXXX of XXXX, notifying me of Personal Identifiable Information being circulated. I initially didn't act as I was refinancing my home and didn't notice the fraudulent entries. Shortly after, I saw a significant drop in my credit score and multiple entries ( inquiries ) on my report. My wife and I hired XXXX XXXX to repair and prepare our accounts for the refinance ; they removed some entries, leaving others to carry-over ; Experian refused to remove any inquiries. Around XXXX of XXXX, I started receiving new Dark Web activity notices and further data breaches that directly affected my wife and me. I started seeing new inquiries and disputed all of these inquiries online immediately. This run resulted in all three bureaus refusing to remove any inquiries. I then noticed two " new bank account opened '' alerts for XXXX XXXX  and XXXX XXXX XXXX, I didn't open any new bank accounts, so I call XXXX XXXX  and XXXX XXXX XXXX to confirm. The banks confirmed that new accounts were opened in my name but provided no additional information. I called the Police non-emergency number for assistance, and an officer was dispatched to my home. He tried to gather more intel regarding identity theft, but the banks refused to provide additional information. After receiving no data from the banks and no help from the credit bureaus, I filed a report with the United States Postal Inspection Service, locked our XXXX  Reports, placed fraud alerts on all three bureaus, placed a freeze on XXXX, XXXX, and XXXX, and filed a report with the FDIC. Once we completed the preceding tasks, my wife and I drove down to the Police Station and filed a formal Police Report to document the fraud.

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 2020-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
MY CREDIT UNION TRIED TO RUN MY NAME THROUGH CHECK SYSTEMS AND IT DECLINED ME AND HAVE MY FILE LOCKED.

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 2020-12-08 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-12-08 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CIT BANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am a victim of identity theft. Because of the identity theft I ordered my XXXX  report and found the following inquiries that were not authorized by me : CIT Bank : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NJ

Complaint narrative:
In XXXX of 2019, I went to the hospital for a XXXXXXXX XXXX XXXX. I was treated and discharged. Months later, I noticed that my credit score significantly dropped and saw a collections on there, specifically from the hospital. XXXX is acting as the debt collection agency. However, I was NEVER contacted by the debt collection company themselves. They have never established a connection with me personally. I was never sent the hospital bill to my current address and especially not sent any notices of debt collection from XXXX themselves. I am speculating they have sent the information to any of my previous address ( es ), since I have lived at two previous locations before my current one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: TN

Complaint narrative:
I am a victim of identity theft. Because of the identity theft I ordered my XXXX  report and found the following inquiries that were not authorized by me : Synchrony Bank XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I have a checking and savings account with Alliant Credit Union that I am very happy with. However, this past summer until very recently, due to XXXX XXXX XXXX I was not able to take specific medications for a registered XXXX. This affected me adversely as not being medicated forced me to accidentally overdraw the account and they have put an NSF warning on my account which means they hold my checks for 7 business days and this can sometimes extend to ten regular days. I have never deposited a bad check and until this time I had not had any NSF activity. I have provided medical documentation to corroborate this but the credit union has refused to reduce hold times for checks, but they did tell me verbally that i could call customer service and request that holds be released and that they would be accommodating. Recently, after depositing a bank closure check from another bank for {$400.00} I called customer service to request that the hold be released and I was told they required a letter from the other bank, which I then provided. But I was told it was insufficient. I feel that I am being treated differently possibly due to my XXXX and I feel that the credit union is not being fair to me about this. I have never deposited a bad check, I have provided proof that the check will clear with two separate emails from the third party bank to no avail.I feel that I have provided fair medical documentation that supports my contention that any prior NSF was accidental and the condition that caused it has been remedied by being medicated again. I feel I am being punished for something that was out of my control and i do not think this is fair. I have asked that 'courtesy pay ' be removed as an option going forward. I ask that Alliant once again assess this with my medical documentation and return my account to the state it would have been in had my medication for my XXXX not been suspended, which means removal of NSF warning, reduced or no hold times for checks, and removal of holds on any current pending checks. I do not think Alliant is doing this maliciously, but I do not think they are considering the medical documentation I have provided properly, and therefore, are inadvertently discrimination against me by doing so. I am currently temporarily unemployed and living pay check to pay check so this is causing me great difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: FL

Complaint narrative:
This is my second time making a complaint about Discover XXXX Card. I was approved in XX/XX/XXXX and they decided to freeze the account until a copy of my bank statement was sent so finally in XXXX after the wait time was over the card was unblocked. During the time Discover allowed me to have the account I experienced fraudulent transactions who I had explained that my roommate who lived with me from XXXX to XXXX must have been the one who had been using the account and even made a few erroneous payments. Discover XXXX card advertised zero fraudulent liability. I explained what was fraudulent and then they mailed me out new cards. After they were done with the dispute Discover closed my account and there reason for closing was a retaliation against me for disputing the fraud. Why offer your customers 0 % for liability and advertise it if youre going to you yes take the purchases are but then close the accounts I know Credit Attorney grantors have the right to close the account for any reason but during the COVID-19 crisis this is just abuse. Banks like discovered need to remember XXXX and how the government bailed most of them out now the American people are struggling and the banking system could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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 have been a victim of identity theft and I am attaching supporting documentation to support my claim. I have a Federal Trade Commission Report and Police report along with a notarized affidavit to support my documents and verify my identity.

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 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery has failed to verify the debts in question. I've been asking for verification of the said debt as my youngest child is XXXX years old and I have not shopped for her at a XXXX XXXX XXXX is many years. Every piece of furniture in my old is from a deceased family member and I can't tell you the last time I stepped into a XXXX XXXX XXXX. I've been asking for proof as these may be debts established by my ex husband. Proof of my attempts will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I used PayPal to send money to a merchant offering music services online. I sent this merchant {$750.00} and he never contacted me or did any music business with me. I contacted the merchant several times and was eventually told by a friend of his that he was XXXX  and could not provide the music I paid for. I told her ( the friend ) I needed a refund since I never received what I paid for. She sent me back {$30.00} and stopped responding to me. I contacted PayPal & they refused to credit my account even I never received what I paid for. And this merchant is a business customer of PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management
State: GA

Complaint narrative:
This charge was under a bankruptcy and some of this was already paid through that. Also, the collection company sold my car and is still trying to collect the full amount without taking into consideration the amounts that were already paid through the sale of the car and my bankruptcy. I want this removed from my credit report immediately as it is false information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation