vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Leopold & Associates, LLC
State: NJ

Complaint narrative:
The debt originated from a XXXX XXXX account in XXXX. A default judgment was entered without my knowledge in XXXX in XXXX County, NY. I resided in XXXX county during this period. 
On XX/XX/XXXX, another case was instituted in NJ Superior Court to collect a debt that the statutory collection has expired in NY. I didn't receive any notice for this proceeding. 
The agency and his representatives were aware of my address and didn't send any notice of the collection proceeding. Therefore, depriving me of the right to answer in my own defense. I also didn't receive any original documentation of the source of this debt. 
The account was charged off on XX/XX/XXXX as per the information that I received on XX/XX/XXXX. 
The fact that I have retired from full-time employment and I don't have the means to pay back any debt and the statutory collection has lapsed in NY and the agency is now trying to collect without doing due diligence in the past. I am now requesting investigation and mediation in this matter.

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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit 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 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and delete the accounts which were opened by fraud as per FCRA Section 605B ( a ) : I called the credit bureaus and was told they are working remotely from home. How is this legal for them to have access to my information and they are not being supervised?

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 — Account status incorrect
Company: HW Holding, Inc
State: MD

Complaint narrative:
This account was closed. XXXX XXXX  XXXX  was sending me a letter of contract termination. we left on time of the contract end.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted all 3 credit bureaus regarding wrong information in my credit file. I even submitted a copy of my identity theft affidavit 40 days ago and these companies are still refusing to remove negative and inaccurate information from my credit file.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: NJ

Complaint narrative:
During a move to a new apartment I had recently had my wallet stolen and had to disable and request new cards. Chime ( XXXX  XXXX  ) sent me a new card that said to log into the app to activate. When I attempted to log into my app the message I received was that the account was closed or suspended. I had assumed at that point that I would just need to reach out to customer service and have them reset my app, or have me create a new account log in. However, there is no live customer service person to speak with, so the only option is contact through emails. I have had emails sent to them since XX/XX/XXXX regarding my concerns, and that I NEED my money that was being direct deposited into that account. I got multiple responses from multiple different people saying they were willing to help me with my account if I could send documents such as my license and social security card for verification, which I expressed many times already was taken with my wallet, and I need another way to prove ID if that's the case. It has been over a week now that I have had no access to my money, and no real resolution. If they are planning to mail me a check I would need my statement and change of address updated. Otherwise I have requested they transfer my funds to the bank account I have linked. Regardless its unethical to close someones account and give them no way to speak with anyone to resolve the issue, or refund your money in some other time efficient way.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 47 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 47 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

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 — Investigation took more than 30 days
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I sent 4 dispute letters Over the course of over 200 days asking to send proof of verification that this debt was valid and I never received a proper response. What I did receive was a bill in response to the letters I sent to the credit bureaus. A bill is not proof of a verifiable debt. It has been over 200 days and still no valid proof of how this debt is Being verified. The Payroll fell to notify me with proof that this is a valid debt that I owe.

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:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and delete the accounts which were opened by fraud as per FCRA Section 605B ( a ) : I called the credit bureaus and was told they are working remotely from home. How is this legal for them to have access to my information and they are not being supervised?

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:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and delete the accounts which were opened by fraud as per FCRA Section 605B ( a ) : I called the credit bureaus and was told they are working remotely from home. How is this legal for them to have access to my information and they are not being supervised?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have a Barclaycard Visa XXXX Rewards. 

I dont use XXXX XXXX for small purchases or XXXX. 

Therefore, I did.t request this kind of rewards.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION as violated seven federally protected consumer rights under the FCRA Fair Credit Reporting Act 15 USC 1681 in reporting information that I have no value and unfair to me the consumer, natural person and original creditor. 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. TRANSUNION has violated federal law 15 USC 1681 ( a ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681a ( 4 ), 15 USC 1681a ( 2 ) ( i ), 15 USC 1681a ( 2 ) ( b ), 15 USC 1681a ( 3 ) ( e ), & 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) TRANSUNION is civilly liable for violating federal law I have exhibit along with notarize sworn affidavit of truth stating the facts inside and citing violations line by line. I also explain clearly on how I was violated and how the consumer report has attempted to harm my reputation and by reporting base solely on information between credit grantor and credit bureau not the original creditor which is a violation. My consumer reports has been unfair and harmful practices by TRANSUNION and I never gave them written instructions for accounts presented in my exhibits. Consumer has a right to privacy and my privacy has been breach by TRANSUNION. This credit bureau report has caused me and my family much stress and anguish due to the unfair practices from this corporation. Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) TRANSUNION is civilly liable invoice is attached.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX my debit card was stolen along with some personal items. As soon as I discovered my card was missing, I immediately contacted my bank. This was XXXX if memory serves me correct. I also filed a police report with my local police precinct. I did forward the police report to my bank when I was told they were not going to credit my account the funds in question. Now my bank is telling me the police report is not enough proof for them. I have gone back and forth about this with my bank but they will not credit my account. These are the transactions in question.. 
1. XXXX XXXX in the amount of {$110.00}. I do not know anyone in XXXX and have told the bank this. This transaction posted on XX/XX/XXXX. 
2. XXXX XXXX in the amount of {$40.00}. This particular XXXX XXXX is about a mile from my house so the bank said since I live so close to this store, it was me. It was not me! 
3. XXXX XXXX XXXX XXXX in the amount of {$42.00}. This XXXX XXXX is on the other side of town from me. The two XXXX  posted on the XXXX. 
The transactions stayed in pending for a few days and the bank told me since I did report the card stolen so quickly, the transactions may not go through but unfortunately they did clear. I have done everything I know to do to prove I didnt make these purchases/transactions. I know this is not a lot of money to some people but it is to me. I have ALL the conversations and letters of dispute if you need them. I really hope you can help me with this. I recently went back to work from being quarantined for a week and I am struggling financially right now. Please help me. I tried attaching my documents but I had to get a new phone and not sure how to do this. But I do have it I can send. Im afraid if I try and download anything Im going to lose the information I have provided. My bank also has all documents.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have tried reaching out to Experian to correct my information every way possible. I was unaware that it hadnt been corrected. My oldest line of revolving credit is missing and Experian keep reporting a XXXX account delinquent that is in litigation. I have informed them of this and nothing has been done. When you call, there is no way to speak with anyone, but the option is there and it just hangs up regardless of which customer service number you dial, same outcome. Nothing- my other 2 credit scores are almost 700 this one is over 100 points below what it should be, this should be illegal.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is an ongoing and continued fraud being carries out by XXXX, Equifax and XXXX. For seven year I have been reporting this fraudulent claim and for seven years they have been taking it off and Equifax has been putting it back on my credit report with a different collection agency. For seven years they provided no documentation and suddenly now have found fraudulent document, which does not even relate to their false claim ( see attached file ). 

My last request for this false claim to be removed from my Equifax credit resulted in a report from Equifax on XX/XX/2020 stating that they were no longer reporting the false claim. To this date they are still reporting this false claim and continue to carry out an attempt to extort money out of me. This is the same scam that the parking debtors were using to scam money out of people by making false claims of money owned in an effort to get people to pay rather then fight the false accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
During the time period of XXXX, I was laid-off due to COVID affecting my employer 's business of operation. My Chase Checking Account that was receiving my unemployment insurance was frozen on XX/XX/XXXX placing myself in a hardship as this was my main checking account for daily use. Today is XX/XX/XXXX and I have a remaining balance of {$10000.00} that has not been returned from JPMorgan Chase. At the closure of my account on XX/XX/XXXX approximately + {$18000.00} was frozen and approximately {$8000.00} has been returned. Throughout this process, I have not received any formal notification why my account was frozen, that it was frozen, nor am I aware if anyone is actively looking into this manner despite requesting the submission of multiple compliments. 

Chase has requested proof that I am entitled to these funds and I've forwarded this information to JP Morgan Chase on XX/XX/XXXX and XXXX. On a daily basis, I have been contacting Chase for a status on the remaining balance only to be told to continue calling as there is no update. Chase employees has informed myself the funds were pending an investigation with the state of Indiana in regards to my unemployment insurance. Upon speaking to the state of Indiana unemployment department they stated they do not freeze bank accounts and to speak to my bank ( JP Morgan Chase ). It is XX/XX/XXXX and I have no status on the remaining release of my funds ( {$10000.00} ). 

Your assistance in this manner will be greatly appreciated.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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