vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 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:
Ive contacted Transunion multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. There is a Bankruptcy that shows on my Transunion credit file on, and it doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to receive this information. 
I wrote a formal complaint to Trans Union on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and XXXX bankruptcy from my account due to the fact that it was not mine. I did not hear from them after 90 days so I wrote them again on XX/XX/20 using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. I have included a copy of the second letter along with the receipt of the certified letter that was sent to Trans Union. I sent proof of the bankruptcy court stating that they DO NOT REPORT ANY FILINGS TO THE CREDIT AGENCIES. I sent proof that XXXX XXXX has no record of this either. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 
If you have any questions, I am free to discuss this situation. 
Thank you in advance for you assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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:
Ive contacted Equifax multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. There is a Bankruptcy that shows on my Equifax credit file on, and it doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to receive this information. 
I wrote a formal complaint to Equifax on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and XXXX bankruptcy from my account due to the fact that it was not mine. I did not hear from them after 90 days so I wrote them again on XX/XX/20 using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. I have included a copy of the second letter along with the receipt of the certified letter that was sent to Equifax. I sent proof of the bankruptcy court stating that they DO NOT REPORT ANY FILINGS TO THE CREDIT AGENCIES. I sent proof that XXXX XXXX has no record of this either. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 
If you have any questions, I am free to discuss this situation. 
Thank you in advance for you assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While studying my report I have come across a number of mistakes and inaccuracies that the credit bureau, XXXX, XXXX, and TransUnion, are reporting. I have disputed the unverified discrepancies on my credit report, with all three credit bureaus, XXXX, XXXX, and TransUnion, multiple times and have not received any proof of a copy of any original documentation, a consumer contract with my signature on it, and the original creditors documentation on file to verify that this information is mine and is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: IL

Complaint narrative:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: OH

Complaint narrative:
According to the terms of my mortgage, I am able to make payment between XXXX and XXXX of the month. 

I would like to make my payment on the XXXX of the month. 

I asked my servicer ( not sure if it is technically XXXX XXXX XXXX or Dovenmuehle ) and they are unable to process auto-payment past the XXXX of the month due to a systems limitation. 

My complaint is that the system should be able to accommodate ability to make an auto-payment within the terms of the mortgage ( between XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: NY

Complaint narrative:
I wanted to get a new credit card however because of the Equifax data breach in XXXX, I had frozen each of my accounts with Equifax, XXXX XXXX and XXXX. Therefore I needed to unfreeze these accounts in order for the bank to check my credit. First I called Equifax on the phone but they were unable to confirm my identity. Then I tried to use the internet and was told to complete the online form and mail it with proof of my social security number and my address. I completed the form and send the documents proving my social security number and address and sent it certified mail on XX/XX/XXXX. My tracking ticket from the USPS indicates that the letter was received on XX/XX/XXXX. On XX/XX/XXXX I received an envelope from Equifax addressed to a name I did not recognize at my address I have lived at my present address for 42 year and know for certain that the name of the person on the envelope has not lived here. Therefore I composed a letter to Equifax telling them that an error had been made and that I would like to receive my credit report. My letter was mailed along with the sealed letter that Equifax sent me with the wrong name by certified mail on XX/XX/XXXX as of today XX/XX/XXXX I still have not received my credit report from Equifax. In addition I also received a post card telling me that I had already received a credit report within the last twelve months which was preposterous since I know for certain that I have not requested a credit report since I froze my account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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:
Ive contacted Experian multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. There is a Bankruptcy that shows on my Experian credit file on, and it doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to receive this information. 
I wrote a formal complaint to Experian on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and XXXX bankruptcy from my account due to the fact that it was not mine. I did not hear from them after 90 days so I wrote them again on XX/XX/20 using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. I have included a copy of the second letter along with the receipt of the certified letter that was sent to Experian. I sent proof of the bankruptcy court stating that they DO NOT REPORT ANY FILINGS TO THE CREDIT AGENCIES. I sent proof that XXXX XXXX has no record of this either. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 
If you have any questions, I am free to discuss this situation. 
Thank you in advance for you assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
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 {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Please find attached all the documents I have originally filed with under XXXX XXXX XXXX, who now operates as XXXX XXXX XXXX. On page 5 on the XX/XX/XXXX file attached shows the accounts I listed at the beginning with XXXX XXXX XXXX. File XXXX ( 1 ) I have attached the statement I sent them sometime after XX/XX/XXXX XXXX XXXX XXXX is claiming the account that was not listed in the beginning of the program and then they called it Barclays after that and thought they were settling with Barclays with XX/XX/XXXX ( debt collector ) but it was a XXXX card account ending in XXXX and not Barclay 's account ending in XXXX. And then this XXXX account was paid off instead on XX/XX/XXXX when this account was not at the beginning of the contract. They told me to send all collections letters from all accounts to them which I did. All these documents should be available for my review by XXXX XXXX XXXX. I have also made several attempts in the last few months to get this resolved with XXXX XXXX XXXX XXXX XXXX XXXX XXXX without any results or assistance. Also, please find the attached dispute results fromXX/XX/XXXXXX/XX/XXXX and 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 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I paid a debt owed to an apartment with another collections agency. After being contacted by Professional Debt Mediation, they ignored my emails, calls and voice messages for resolution to my paid debt. I paid another company called XXXXXX/XX/XXXXfor {$520.00} on XX/XX/2020 for debt I owed to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: NJ

Complaint narrative:
Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

-XX/XX/XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX XX/XX/XXXX reports the date the account was opened was XX/XX/XXXX where as XX/XX/XXXXreports a date opened of XX/XX/XXXX ; Equifax does report anything. 

XX/XX/XXXX reports the date last active was XX/XX/XXXX where as XX/XX/XXXX reports the date last active to be XX/XX/XXXX ; Equifax dies report anything - XXXX AES - Account Number : XXXX XX/XX/XXXX reports the number of months in the loan to be 301 whereas XX/XX/XXXX reports the number of months to be 249 ; Equifax reports nothing. 

XX/XX/XXXXreports the date last active to be XX/XX/XXXX whereas XX/XX/XXXXreports the date last active to be XX/XX/XXXX ; Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 30 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 60 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 90 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was charged off ( CO ) whereasXX/XX/XXXXand Equifax reports nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: NJ

Complaint narrative:
Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

- XX/XX/XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX XX/XX/XXXX reports the date the account was opened was XX/XX/XXXX where as Experian reports a date opened of XX/XX/XXXX ; XX/XX/XXXXdoes report anything. 

XX/XX/XXXX reports the date last active was XX/XX/XXXX where as Experian reports the date last active to be XX/XX/XXXX ; XX/XX/XXXX dies report anything - XXXX AES - Account Number : XXXX XX/XX/XXXX reports the number of months in the loan to be 301 whereas Experian reports the number of months to be 249 ; XX/XX/XXXX reports nothing. 

XX/XX/XXXX reports the date last active to be XX/XX/XXXX whereas Experian reports the date last active to be XX/XX/XXXX ; XX/XX/XXXXreports nothing. 

Experian Reports that this account was 30 days late whereas XX/XX/XXXX and XX/XX/XXXX reports nothing. 

Experian Reports that this account was 60 days late whereas XX/XX/XXXXand XX/XX/XXXXreports nothing. 

Experian Reports that this account was 90 days late whereas XX/XX/XXXX andXX/XX/XXXX reports nothing. 

Experian Reports that this account was charged off ( CO ) whereas XX/XX/XXXX and XX/XX/XXXX reports nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I contacted Capital One because I noticed fraudulent charges on my statement. The four charges were : {$36.00} from XXXX XXXX gas station, {$60.00} from XXXX XXXX XXXX, {$180.00} from XX/XX/XXXX and {$1200.00} also from XX/XX/XXXX totaling {$1400.00}. I confirmed that all 4 charges were made in person in XX/XX/XXXX. After filing a claim with Capital One, I never heard anything more from them so I called again on XX/XX/XXXX and then again a third time until they finally addressed the issue. They temporarily issued the credit back on my card while they investigated the fraud. On XX/XX/2020 I received a letter from Capital One confirming that they were investigating the fraud and assuring me that I would not be liable for any unauthorized charges. On XX/XX/2020 I received two letters from Capital One. The first letter stated that the investigation was resolved and that I was not being held responsible for any fraudulent charges. The second letter, dated the same, stated that they completed the investigation and they found no indication of fraud and they credited the charges back onto my account. I called Capital One and they confirmed that they did not think these charges were fraud therefore I am responsible for paying these charges. All 4 charges were made in person in XX/XX/XXXX, a state that I have never been to ( I reside in XX/XX/XXXX ). These charges appeared on my XX/XX/2020 statement, but I unfortunately did not notice them until XXXX because I don't use this credit card so I don't check the monthly statements. Because I did not flag this for Capital One early enough, they are claiming that the charges are not fraud. I have proof that I did not make these charges, starting with the fact that they were made in XX/XX/XXXX, and I've never been there. I also have statements from my other credit card that show purchases I made in XX/XX/XXXX on the exact dates that these charges were made in XX/XX/XXXX XX/XX/XXXX I've spoken to several different people from Capital One over the last month and I've tried everything. I've tried to send them proof that these charges were not authorized by me, but they are still not accepting that these were fraudulent charges and they are making me pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Today XX/XX/20 my account randomly closed with Chime Bank, I have money in my savings as well as my checking account. I was told to contact Chime Support through email to find out what happened, Im currently waiting for a returned email. As I XX/XX/XXXX reviews on Chime I noticed that there were multiple recent complaints with this same problem a lot of the complaints stated that they have not received their funds back. Today I am Reaching out to you all for help I work hard for my Money I cant afford to live without my funds I have a family, I have bills, I need help.

Company response to consumer: Closed with explanation