vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 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 REVIEWED MY CREDIT REPORT AND CAME ACROSS SOME ACCOUNTS ON MY CREDIT FILE THAT DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND NONE OF THEM ARE RELATED TO ANY TRANSACTIONS THE I HAVE MADE. THIS HAS CAUSED A HUGE CHALLENGE ON MY CREDIT FILE. IT IS VERY STRESSFUL BECAUSE I HAVE NO IDEA HOW THE ACCOUNTS GOT ON MY CREDIT. I AM ASKING THAT SOMETHING BE DONE TO RESOLVE THIS ISSUE. PLEASE LOOK INTO THIS MATTER AS SOON AS POSSIBLE SO THAT MY CREDIT FILE CAN GO BACK TO ITS NORMAL STATE.

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 2020-12-14 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 HAVE REVIEWED MY CREDIT REPORT AND CAME ACROSS SOME ACCOUNTS ON MY CREDIT FILE THAT DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND NONE OF THEM ARE RELATED TO ANY TRANSACTIONS THE I HAVE MADE. THIS HAS CAUSED A HUGE CHALLENGE ON MY CREDIT FILE. IT IS VERY STRESSFUL BECAUSE I HAVE NO IDEA HOW THE ACCOUNTS GOT ON MY CREDIT. I AM ASKING THAT SOMETHING BE DONE TO RESOLVE THIS ISSUE. PLEASE LOOK INTO THIS MATTER AS SOON AS POSSIBLE SO THAT MY CREDIT FILE CAN GO BACK TO ITS NORMAL STATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: OH

Complaint narrative:
Hello : XXXX XXXX  keep putting this auto loan on my account. Someone stole my identity and created a fake id and went and bought a vehicle in my name. I have contacted them multiple times and they keep adding this account to my credit report. Equifax is reporting this fake account on my report. I did not authorize this, I need them to remove it from my account and stop putting it back on there. It's illegal to add false information to credit reports. 


Someone must have created a fake id and posed as me and you all keep putting this account on my credit report. I was a victim of identity theft and this account is a fraudulent account and you all keep placing it on my report. 

I have ask you all to stop placing this account on my Equifax report. You all are allowed not to lend me a auto loan but you all are violating my civil rights and I will be suing you all if you dont take this account off my Equifax credit report. I dont ever want to do business if you all dont assist people with fraudulent information and keep insisting that this account is mine. I have never had an account with you all and its illegal to keep adding fake accounts to peoples credit reports. 

Please remove this account before I contact the law and sue you all. I already submitted a identity theft affidavit and you all still wont assist me in removing this fraudulent account or I will be filing a lawsuit against you all. 

Please remove this asap. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
I ordered a Electronic exactly from the company I owed towards. The electronic ended up getting stolen/lost while I was at my friends house. Now these people are saying I owe for somthing that I have no presence of even having it. I called them very rude and pushy on the phone lines. They say I called them before and promised I was going to pay them which also isnt true cause they called me multiple times while I was at work and I told them I would get back to them and they repeatedly are pushing for money. 


NOTES * This debt payment was requested back on XX/XX/XXXX and I just received my first notice today from them which is XX/XX/XXXX and there saying im overdue without giving me a notice back in XXXX. 

XXXX Very pushy on the phone lines begging for money that I dont owe. 

* Also the address they have listed as the agency address is Fake cause I checked XXXXXX/XX/XXXX and the place is a clothing store plus a clothing store websit and they also asked me to send my dispute to a place that doesnt even exists. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ma XXXX ( CLOTHING STORE NO DEBT PLACE AT ALL ) PHONE : XXXX ( Pushing for money Seems Fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: OH

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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:
Hello, I kindly ask you to help me to remove the account that I do not recognize. I am requesting that you delete information off from my credit report because I am not connected to this account. Its an Identity theft. I do not know how this item ended upon my credit report, but I never signed for or agreed to this charge. Please remove it from 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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Years ago I had a sears credit card.Sears went out of buisness and I assumed the account was closed.The sears credit card was through citibank north america.Then, for some reason, I ended up with a shop your way card from citibank that showed up on my credit reports.I never signed up for a shop your way card through citibank nor did i ask for my sears card to transfer over to shop your way card.I never asked for a increase for credit for shop your way card or ask citibank to reopen the shop your way card when they said it was denied.Citibank needs to provide proof that i signed up for a shop your way card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXX I called customer service and spoke to " XXXX  '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX valid thru ... .XX/XX/XXXX account closed on ... .XX/XX/XXXX or XX/XX/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 2020-12-14 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 {$4900.00}, {$1400.00}. 
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 ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -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 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This is the second time this has happened. I filed a compliant in XXXX for the same issue. My payments were sent in. I even had my payment processing company ( XXXX ) contact the mortgage company : CHASE / WASHINGTON MUTUAL LOAN # XXXX PHONE NUMBER : ( XXXX ) XXXX. 

I paid {$570.00} to be paid on XXXX I paid {$500.00} to be paid on XXXX Both payments, confirmed mailed by XXXX on XX/XX/2020. On XX/XX/XXXX, these payments were still not reflected or deducted from the balance, with interest accruing on an incorrect balance due. All payments for the last 19 years have been to the same address, same loan, same 4-5 days mailing time line and they were processed in 3-4 days. Now these last few payments are being lost and/or taking 3-4 weeks to process and apply to the balance. They are accruing interest on wrong balances due to NOT applying my payments upon receipt. 

Again, this is the 2nd time in 3 months they have done this. 

Please call me with any questions ( XXXX ) XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: AZ

Complaint narrative:
I am a victim of identity theft. I have attached documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FlexShopper, Inc
State: GA

Complaint narrative:
I have an installment plan with flexshopper that I have been paying on for quite sometime. I have run into some financial struggles with Covid and have reached out several times for someone to get in touch with me about what options I have. The installments are for anXX/XX/XXXX and a separate super disk for the computer. I am already paying {$1400.00} more for the computer than it is worth and {$65.00} more for the extra disk drive due to the computer not coming standard with one, which the description of the computer doesnt provide. Ive been paying on this computer since XXXX paying out {$1200.00} towards the device already when its cash price is {$1000.00}. I have paid {$82.00} towards the super disk since XXXX which has a cash price of {$130.00}. I have paid enough in on these devices to own them outright and when I have contacted the company several times due to Covid related money issues all they want me to do is call them. I dont have the option to call them and sit on the phone for hours. Ive requested someone to email me with my options and I never get anything other than to call them. Now they are sending me emails telling me they are going to cancel my contract and Ill be required to send both devices back to them. Ive paid enough money on both of these to own them and they just want to threaten to take them back. I dont see how this is fair or reasonable.

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 2020-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
My First Tech Federal Credit Union - Home Equity Line of Credit was paid off XX/XX/XXXX. I received a letter from First Tech dated XX/XX/XXXX acknowledging the pay off and they had intention to reconvey the lien asap. 

I realized in XX/XX/XXXX, they had not reconveyed this as promised. Attempts to contact First Tech Credit Union went unanswered. After I threatened to seek legal counsel they finally sent me a Deed of Reconveyance that was not recorded until XX/XX/XXXX. 

For two years, First Tech Federal Credit Union held the lien against my property, without any reason.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
I have a personal loan with First Heritage and I am behind on payments because of financial problems. I have spoken with the company that I will make a payment on XX/XX/XXXX-20. THE PROBLEM IS I TOLD THE COMPANY I CAN NOT RECEIVE CALLS AT MY JOB BECAUSE MY JOB DO NOT ALLOW PERSONAL CALLS AND THEY ARE STILL CALLING ME AT MY JOB AFTER I HAVE REQUESTED 4 TIMES FOR THEM NOT TO. WILL YOU PLEASE CONTACT THEM AT XXXX AT TELL THEM IT IS THE LAW THEY CAN NOT CONTINUE TO CALL ME AT MY JOB IF I TOLD THEM NOT TO OVER AND OVER AGAIN. THE ADDRESS IS FIRST HERITAGE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX. THANKS, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 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 {$4900.00}, {$1400.00}. 
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 ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -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 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIBANK During pandemic and my business getting " locked out '' from operating, I applied to get Economic Injury Disaster Loan with SBA. After approval of the $ XXXX, on XX/XX/2020 XXXX funds released this to my bank account ( XXXX ). 

Since XX/XX/2020 My bank accounts with Citibank have been frozen without my consent nor warning. One Personal Checking Account ( XXXX ) {$14000.00}, Another " Personal '' Account ( XXXX ) {$110000.00} where I have kept all my business transaction for rent receivables and payables, and Savings Account ( XXXX ) {$26000.00}. 

As soon as i found out my account was frozen, i have visited ( different ) Branches, called fraud department multiple times. Received a letter from Citibank terminating my bank relations with them XX/XX/2020, stating I have to wait 30-60 days for my funds to be released. Throughout the waiting period, visited branch and called to " expedite '' this process and they have told me same answers over and over, stating they will email the " back '' office and they will reach out between 48-72hrs. Nothing, I get no answers nor calls. Visited branches and they see on their end thy see XXXX check sent to SBA. Called today XX/XX/XXXX and no money have been sent even when it has passed 60 days. 

My business has been incurring interest on a monthly basis, and i have no access to this loan money Citibank is witholding. My personal life, have changed drastically and been hit financially as well- been ultra careful with spendings. Citibank has been absurdly disrespectful and up to now a delinquent for holding some one else personal money and business.

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 2020-12-14 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/2020, someone used my credit card to purchase {$1000.00} from XXXX. They used my billing address, phone number, and shipping address to place the order. 

After the order was placed, they had the shipper redirect the order to a new person and location. 

I reported the credit card as stolen, and the credit card company gave me the credit and sent me a letter acknowledging the dispute. Several days ago, the credit card company put the charge back on the card because the merchant said I ordered the merchandise. 

I contacted the credit card company about the charge, and they are taking the side of the merchant. They will not let me reopen the dispute and are keeping this charge on my account, accumulating interest. 

I contacted the merchant again this weekend who sent me an email today confirming that this order was rerouted from the merchant, but the credit card company has offered no method to escalate this. This is right before XXXX, but I can't purchase anything now because of this huge ( to me ) charge on 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 monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I initially disputed these accounts with all 3 credit bureaus on XX/XX/2020. XXXX  is the only credit bureau that removed the fradulent accounts. I am very confused on why XXXX  and Equifax didn't remove the accounts when they all verify with the same creditors. It has also been over 60 days and the credit bureaus have not completed an investigation. I was always under the impression that the credit bureaus have 30 days to complete an investigation. According to 611 ( a ) if the credit bureaus do not complete a proper investigation within 30 days then the accounts should be automatic deletion. This definitely applies to my case. I am also a victim of the Equifax data preach and my information could've definetly been placed in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CA

Complaint narrative:
I sent a complaint stating for removal of a XXXX and XXXX bankruptcy that was reporting on my account. I sent a copy of the letter from the bankruptcy court stating that they do not report to credit bureaus and therefore wanted the bankruptcies removed. Equifax responded and updated the credit reports to the two bankruptcies being discharged as a chapter XXXX. They also stated this was verified through a third-party called XXXX XXXX. This is false and Equifax did not verify anything with XXXX XXXX. If it would have been verified, it would not have been updated with inaccurate and even more damaging information. There is no way legally, I could have filed and had two bankruptcies discharged through Chapter XXXX as they indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Service Finance Holdings, LLC
State: WI

Complaint narrative:
Service Finance refuses to update my credit reports with the correct Balance I have filed many disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: NY

Complaint narrative:
I have never received a validation of this debt or a HIPA consent with my signature on it I requested 4 times validation of this information and this information is also reported on my credit report, which is another FCRA violation.

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