vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 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 {$11000.00}. 
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 ) -- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$11000.00} -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 2020-12-07 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 {$11000.00}. 
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 ) -- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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 {$11000.00}. 
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 ) -- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -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 2020-12-07 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: GA

Complaint narrative:
Someone used my identity to gain an apartment in my name in a state i do not live in the other credit bureaus have been very helpful in helping me with the matter but Equifax has caused me more headaches and pain they removed the fraudulent account and placed it back on my credit. If this issue is not resolved i will file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, I was in XXXX XXXX. I XX/XX/XXXXfor a living and I'm based in XXXX. I was in XXXX XXXX on a layover. I was pickpocketed ( robbed ). My wallet was taken that included a XXXX XXXX credit card/XXXX Debit card/XXXX credit card and a Capital One credit card. All of the above companies except for Capital One immediately reversed the charge on the accounts. Capital One placed the amount {$2000.00} on a hold and then placed a " provisional credit ''. I recorded the conversation as per XX/XX/XXXXstate law. They advised that this would not be reported to the credit bureau. I had an XXXX credit score. 
Well, they advised all 3 credit bureaus that I owed them {$2000.00}. This has lowered my credit score by 7 points while they do their investigation. As they stated it will take 90 days for the investigation to be completed to see if they believe this was fraud or not. Strange, none of the other companies stated this. And, Mastercard, Capital One has a zero liability advertising for fraud/stolen credit cards. I know that eventually, they will find this to be fraud or I will sue them in small claims court. However, sending this amount to the credit bureaus is unacceptable. And, hurting my credit is unacceptable. Victimizing the victim is unacceptable. Poor customer service. As I stated, all other credit card companies stated that this was obviously fraud and immediately sent out new cards in overnight mail. I still have not received a new card from Capital One even though I will cancel the card once this investigation is completed. They need to contact the credit bureaus immediately to " make right '' what they have done wrong. Having an effect on my credit score is illegal. I've talked to Representatives at Capital One on about 20 occasions. I have had representatives tell me that it doesn't make sense that Capital One would have sent this information to the credit bureaus because they do so only on the XXXX of each month. Well, the robbery happened on XXXX and they advised the credit bureaus on XXXX. Their next reporting date would normally be XXXX. I think the agents that didn't care for me at Capital One felt this would be a good way to get back at me. So, by hurting my credit, I'm being penalized. I have a perfect 7 year history with Capital One and this credit card but they state that history of the account doesn't matter and only this one charge. They state that " they and they only make the decision as to whether this is fraud or not ''. I've never made a charge of this amount in my 100 visits to XXXX XXXX for work over the past 7 years. In fact, I've rarely made purchases over $ 100,00usd. I just feel victimized and helpless. This company has no customer service skills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07 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: Lendmark Financial Services
State: AL

Complaint narrative:
Lendmark is reporting the payment status as 30 days late with XXXX and XXXX. The account was paid in 2019. I disputed the account through the credit bureaus and directly with the local office. The company has not changed the information. The company verified the information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Kindly be exhorted that I have gotten your PC produced letter expressing that you have stopped examination of my credit reports on the grounds that, as you would see it, you accept that I host utilized a third get-together credit fix the office. In addition to the fact that I believe this to be a slow down strategy on your part to concede you an extra 30 days to agree to my unique solicitation, yet I trust it to be an outright infringement of the FCRA. 

You were exhorted by me on XXXX and XXXX by ensured mail ( COPY ENCLOSED ) that I scrutinized the exactness of a couple of things on my credit reports. That solicitation was composed by me and sent by me-not an outsider office. It seems clear to me that you are manhandling your capacity under the FCRA to get away from a total examination. 
As indicated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to confirm, through the actual check of the first marked buyer contract, all records that you post on a credit report. Else anybody paying for your detailing administrations could fax, mail, or email in a false record. I interest to see evident evidence ( i.e. : a unique purchaser contract with my mark on it ) that you have on the document for the record recorded beneath. 
Your inability to decidedly check these records has harmed my capacity to acquire credit. Under the FCRA, inaccurate and unverifiable information must be deleted from a consumer 's credit report. 
Moreover there is NO law that expresses a customer can't utilize an outsider, so utilizing that as your reason is an immaterial. Truth be told, the United States Congress has discovered the entire cycle so overpowering that they bear the cost of buyers the option to utilize an outsider for their sake in the event that the shopper so decides. This is the reason your assertion is so disgraceful.

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 2020-12-07 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: GA

Complaint narrative:
I have fraudulent accounts reporting on my credit report i believe someone stole 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 2020-12-07 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 {$0.00}, {$25000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XXXX/XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -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 2020-12-07 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}, {$25000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -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 2020-12-07 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 {$0.00}, {$25000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XXXX/XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Receivable Performance I contacted them and disputed my account and asked if they can stop contacting me because I am XXXX also I sent them a letter of my 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 2020-12-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It would be ideal if you be exhorted that I have gotten your PC produced letter expressing that you have stopped examination of my credit reports in light of the fact that, as you would see it, you accept that I host utilized a third get-together credit fix office. In addition to the fact that I believe this to be a slow down strategy on your part to concede you an extra 30 days to consent to my unique solicitation, however, I trust it to be an unmitigated infringement of the FCRA. 

You were exhorted by me on XXXX and XXXX by guaranteed mail ( duplicate encased ) that I scrutinized the precision of a couple of things on my credit reports. That solicitation was composed by me and sent by me-not an outsider office. It seems clear to me that you are mishandling your capacity under the FCRA to get away from a total examination. 
Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 
Your response to this complaint should contain an original application baring my signature! Anything less then this is a violation of the FCRA

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 2020-12-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please be informed that I have received your computer-generated letter stating that you have stopped investigating my credit reports because you conclude that I have used a credit repair agency from a third party in your opinion. Not only do I think this on your part is a delaying tactic to give you an additional 30 days to comply with my original request, but I think it is a direct breach of the FCRA. 

On XXXX and XXXX by certified mail ( copy enclosed ), you were told by me that I am seeking to have these misleading errors on my account investigated and deleted. 

Furthermore, there is NO rule specifying that a customer should not use a third party, so it is pointless to use it as an excuse. In fact, the United States Congress has found the whole process so daunting that if the customer so chooses, they give customers the right to use a third party on their behalf. This is why it's so shameful in your comment. 

I reserve the right to sue a credit bureau for infringement of the Equal Credit Reporting Act and I think I can show that you have not used reasonable credit reports. 

Any response to this with anything less then the original application baring my signature is a violation for the FCRA!

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 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: ID

Complaint narrative:
In the month of XX/XX/2018 I reached out to the account management for XXXX XXXX XXXX. I was beginning the process to move out and terminate my lease with a pre- arranged resident to take over the remainder of the lease term. The company agreed to this arrangement, I then proceeded to begin a new lease at a residence that was a better fit for my situation at the time. At this time I received a move out agreement. When it came to the day the take over was supposed to proceed the other resident backed out of her agreement and I was notified by XXXX XXXX that I was once again responsible for the remaining rent for the lease term. I was notified a payment plan could be an option and management agreed and had me sign a payment plan starting at {$25.00} a month, with the option to increase payment amounts later on if able to. After sending my first payment I was notified by management that I was now required to pay the full amount in 30 days because of policy change by corporate. I asked about the previous payment plan and why my signature on that document was over ridden and no longer in existence. No answer was given but a reply with the offer of bringing the payment owed down by 40 %. I was then told that someone would be taking over my lease XX/XX/XXXX and that I wouldn't be responsible for XXXX-XXXX rent. I was not able to pay the full amount by the 30 day deadline so my account was sent to collections, for more than they said I owed. I have tried to call multiple times and get in contact with anyone who can help and have had no luck in communicating with anyone to help with my situation. I was able to save some of the emails and documents they originally emailed. This has had a very negative impact on my credit score given it is the only negative situation I have.

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 2020-12-07 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 {$20000.00}, {$18000.00}. 
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. 

-- INSTALLMENT LOANS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -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