vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-12 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I never applied for any medical service. I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: I.C. System, Inc.
State: GA

Complaint narrative:
on XX/XX/2020 I sent a dispute in pursuant 15 USC 1692 to validate an alleged debt. On XXXX XXXX,2020 a notification for my dispute was updated. This does not evidence as validation of debt and I am certainly aware of Admission by slience.

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 2021-01-12 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: CA

Complaint narrative:
XX/XX/XXXXXXXX Balance Owed : {$0.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry. 

XXXX XXXX XXXX Balance Owed : {$280.00} - I would say the account position that is presently confirming on my credit information has a severely unpleasant impact on my capacity to acquire approval to get a current loan inquiry, I highly recommend you provide verification that this has been documented suitably in accordance with the Fair Credit Reporting Act directives, this is a crucial matter to mis-report. My proper demands have to be examined as soon as possible. If you're unable to confirm this information as being 100 % correct please make sure you remove this instantly. 

XXXX XXXX XXXX Balance Owed : {$83.00} - Your records are revealing conflicting and incorrect information compared to other 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 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I have reached out to the company to remove the item off my account but they have failed to honor the fair credit Act and also failed the burden of proof process please remove this account or show ink signatures and or other burden of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
6 accounts from wakefield associates are reporting repeatedly on my credit report unknowingly and fraudulently..I reached out to see if the company can provide proof of this instead more late payments just getting piled up and its destroying my life and future I really need it removed and they won't honor the fair credit act. The burden of proof I 's not on me and they are neglecting that fact without writing my team back on the situation. I CANT EAT A BOWL A SOAP ON CREDIT DUE TO THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I have reached out to the company to remove the item off my account but they have failed to honor the fair credit Act and also failed the burden of proof process please remove this account or show ink signatures and or other burden of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2020, someone through XXXX  made {$5.00} transactions up tot the tune of {$920.00} from my chime bank account. I noticed as it was happening because I was checking my bank account balance at the time and quickly blocked the debit card. I then disputed the transactions immediately. The bank initially gave me the money and then 3 weeks after took the money back citing it was a correct transaction after their investigations. I disputed that and asked for the documentation they used to determine that and what they sent me had nothing to do with the transactions I had disputed. They basically told me I have made certain transactions using cashapp and that was that and I never disputed those transactions except those various {$5.00} transactions to the tune of {$920.00}. 
I have since gone back and forth with chime bank for almost 9 to 10 months now and I still do not have my money. I made a police report at the time it happend and all that. I believe chime bank has acted very very carelessly and extremely unprofessionally in resolving this issue because I provided them with every information, yet every decision they made was based on something f I never disputed and ignored what I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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:
I never applied for any medical service. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
We bought a XXXX treadmill in XX/XX/XXXX using a " XXXX XXXX Account '' administered by T.D. Bank. We paid off the treadmill quickly, but were unable to close the account. In XX/XX/XXXX, T.D. Bank sent us a letter of " Important Changes to Your Account Terms '', and again attempted to close the account. We called the phone number on the bottom of the letter we just received and were put on hold for more than an hour multiple times. 

We eventually talked to someone from T.D. Bank and they claimed they were unable to close our account. They forwarded our call to someone they claimed could close our account, but that person also claimed they could not close our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: IL

Complaint narrative:
I disputed a bankruptcy with XXXX in XX/XX/2020, they removed it from my consumer report. Then, I used the XXXX letter which confirms that case # XXXX has been deleted to dispute the bankruptcy with XX/XX/XXXXXX/XX/XXXX and Equifax. I asked the credit bureaus to contact XXXX to verify the DELETION. XX/XX/XXXXdeleted the bankruptcy.XX/XX/XXXX and Equifax keep claiming the bankruptcy has been verified with XXXX and the US Bankruptcy Court XXXX. I received a letter from the US Bankruptcy Court XXXX and they don't report to credit bureaus. Also, I sent comparison factual dispute letters along with the XXXX and US Bankruptcy Court letter to XX/XX/XXXXand Equifax. They refuse to delete the bankruptcy. I have provided documented proof of the deletion from XXXX and confirmed with the US Bankruptcy Court, they don't report to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: IL

Complaint narrative:
I disputed a bankruptcy with XXXX in XX/XX/2020, they removed it from my consumer report. Then, I used the XXXX letter which confirms that case # XXXX has been deleted to dispute the bankruptcy with XX/XX/XXXX Experian and XX/XX/XXXX I asked the credit bureaus to contact XXXX to verify the DELETION. XX/XX/XXXXdeleted the bankruptcy. Experian and XX/XX/XXXX keep claiming the bankruptcy has been verified with XXXX and the US Bankruptcy Court XXXX. I received a letter from the US Bankruptcy Court XXXX and they don't report to credit bureaus. Also, I sent comparison factual dispute letters along with the XXXX and US Bankruptcy Court letter to Experian and XX/XX/XXXXThey refuse to delete the bankruptcy. I have provided documented proof of the deletion from XXXX and confirmed with the US Bankruptcy Court, they don't report to 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 2021-01-12 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I purchased a flight through CHase Travel last year, canceled it in XXXX. I have still not been issued a refund and have been sending emails for several months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have charged {$590.00} for the entire time I have had the card. I have made {$540.00} so should only owe {$47.00}. I tried to do chargeback for lotion purchases that I thought were free from XXXX XXXX XXXX  and XXXX XXXX XXXX for ( {$110.00} + {$85.00} ) on XX/XX/XXXX. Citi advanced refunded me {$320.00} while investigating and then they said I couldn't do charge back because the company said it was too late to return. I am a XXXX year old female that has XXXX XXXX XXXX and forgot to ask my children how to return. Every other credit card company in the past will charge back if customer said they didn't want the product and trying to return except citicard. The people involved were hard to understand because I can't hear well and they don't speak clear English. They are predatororial to seniors and their limitations. I called them with my daughter XX/XX/XXXX, XXXX, and XX/XX/XXXX and was put on hold for 20 to 30 minutes waiting for a rep and then it just disconnects. When I do get one on the phone they confirmed they made mistakes and need to credit back my account but never did, then they charged me {$25.00} late fee when I was few days late thinking they credited my account like they said I shouldn't have a balance. I had no idea. They have violated almost every code there is for the consumers protection. My credit score is XXXX because I always pay off my debt completely and on time. I don't want to keep paying for things that I didn't purchase and they keep charging me even though I closed the account. Please have them resolve this for me asap and please charge them for their illegal charges to my account as well as using schemes to make it difficult for me to rectify.

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 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank allowed unauthorized account takeover of credit card. I was promised a new account and card and have yet to receive it. See attached letter.

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 2021-01-12 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: Nelnet, Inc.
State: FL

Complaint narrative:
My identity was stolen and someone applied for a student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Chairman and Chief Executive Officer XXXX XXXX I Diplomat ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, i a full amount payment to XXXX XXXX XXXX  was received, via USPS proof of Delivery and service signed by XXXX XXXX at XXXX. I received a phone call on XX/XX/XXXX from XXXX from the Back Office executive office. See attachment. I called on XX/XX/XXXX and spoke to a XXXX whom said he saw the tender of payment made but XXXX XXXX refused and or declined the payment. By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a Diplomat has done. Having right of recourse with respect to the obligation to which the tender relates. I was told by XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid. Slavery forced compliance to contract not or no longer held, for they have received not only the tender of payment but also the 1099c discharge attached herein this claim. On multiple occasions someone attempted to use the card by way of identity theft, and i have not used it as of XX/XX/XXXX. 

On XX/XX/XXXX, XXXX, Virginia-based XXXX XXXX XXXX ( now part of XXXX XXXX ) announced the corporate spin-off of its credit card division, XXXX XXXX, naming XXXX XXXX as CEO. [ 10 ] XXXX renamed the subsidiary XXXX XXXX in XX/XX/XXXX. [ 11 ] [ 12 ] At that time, XXXX XXXX was a monoline bank, meaning that all of its revenue came from a single product, in this case, credit cards. [ 13 ] This strategy is risky in that it can lead to losses during bad times. [ 13 ] XXXX XXXX attributed its relative success as a monoline to its use of data collection to build demographic profiles, allowing it to target personalized offers of credit directly to consumers. [ 14 ] XXXX XXXX began operations in XXXX 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 2021-01-12 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 {$0.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2021-01-12 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 stolen and someone applied for a student loan.

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 2021-01-12 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 stolen and someone applied for a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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 stolen and someone applied for a student loan.

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 2021-01-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
PennyMac HUD FHA Common Law Court Order No. XXXX and XXXX It has already been adjudicated in the courts above that ex relations XXXX XXXX XXXX now appellation and nationality correction XXXX  ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, and again on Your item was delivered at XXXX XXXX  on XX/XX/XXXX in XXXX XXXX, CA XXXX to XXXX. The item was signed for by XXXX XXXX. A reminder of the full amount payment to PennyMac c/o FHA/HUD and was received, via USPS proof of Delivery and service signed by postal worker. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, c/o PennyMac, HUD and FHA had been notified of her application and nationality correction as of XX/XX/XXXX shortly after added her name but never sent out a new statement. I have not received any phone calls nor any letters concerning this payment matter as it was due on XX/XX/XXXX. The original payment was XX/XX/XXXX and also XX/XX/XXXX. By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a XXXX  has done. Having right of recourse with respect to the obligation to which the tender relates. 

I was told by PennyMac once before back in XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid and force me into foreclosure. As such USC 18USC3571, 18USC872, 18USC1001 18USC1621 forced compliance to contract not or no longer held, for they have received not only the tender of payment but also the 1099c discharge attached herein this claim. On multiple occasions someone attempted to make threats of foreclosure by way of identity theft, and i have not received any documentation nor monthly mortgage statements as of XX/XX/XXXX. 

This debt is tendered as well discharge By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a XXXX  has done. Having right of recourse with respect to the obligation to which the tender relates. I was told by XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid.

Company response to consumer: Closed with explanation