vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
-XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX  for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX of {$1400.00} date opened unknown. 

I did not open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 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: AR

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB Complaint to request to the removal of the fraudulent accounts and iNformation off of my Credit File. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that are found to be fraudulent or items resulted due to Identity theft. Please find the required documents to assist in the removing of the fraudulent information which are being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), as the Credit Bureaus, you shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rossi Law Offices, Ltd
State: RI

Complaint narrative:
Rossi law office knowingly obtained a judgement attempting to pad bill they acknowledged they knew was not mine.

they misrepresented themselves on phone, witnessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Hello, I signed up for the American Express Gold card due to their offer to get 4X points on all shipping services that I paid for using my card. Here is the link to the offer on their site https : //creditcard.americanexpress.com/d/business-gold-card/? utm_programname=businesslinkonconsumer You can see the offer for 4X Shipping right there. 

Everything went well on the first card, then I paid them the fee and signed up for more cards. Somewhere along the line, they stopped paying me 4X points. I called 4 times over the course of several months ( they have the records ) and they said they would research the issue and get back to me. Every time I called they said they sent me a letter, but they did not. During several of the conversations, the assistant told me that the reason I wasnt going to get my points is that they changed the program and this vendor ( XXXX XXXX ) was suddenly no longer classified as a shipping company to them. Instead, they were simply a 1X points category ( see screenshot below ). Here is their website for reference, they are definitely a shipping company https : //crst.com/ Here is a summary of my cards as I have ( 3 ) total 1 ) Card ending in XXXX I received all my points on this card just fine, so I signed up for another card. 
XXXX ) Card ending in XXXX Some of the charges provided me with 4X points, These are shown by the blue circle with 4X on their website, but I was unable to post a screenshot here in your messaging system. Some of the charges are missing the blue circle so in those cases I did not receive the 4X points that I should have. 

XXXX ) Card ending in XXXX I Didnt get any of the 4X points. Again I was unable to post a screenshot here in your messaging system There is not a blue circle showing 4X. I dont have any way to export all the charges to show the total amount of points that I am due.

Their website only provides me a summary, so I dont have any way to calculate exactly how many points they owe me, but it is definitely XXXX of XXXX of points they have cheated me out of. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX -Jefferson Capital System of {$1400.00} date opened unknown.

I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: AR

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB Complaint to request to the removal of the fraudulent accounts and iNformation off of my Credit File. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that are found to be fraudulent or items resulted due to Identity theft. Please find the required documents to assist in the removing of the fraudulent information which are being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$310.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00} XXXX XXXX. XXXX  XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$0.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX FIRST XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. According to FCRA Section 605B ( a ), as the Credit Bureaus, you shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
-CB Indigo/ GF was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXXXXXX  XXXX  XXXX  of {$1400.00} date opened unknown. 

I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only XXXX XXXX XXXX. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
-XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX  for {$610.00} date opened is unknown. 
-JPMCB Card for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 

I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents 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 non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I have been a victim of identity theft and as a result a utility account was opened in my name in another town, I have contacted the utility company to explain the situation I haven't heard anything back i need this issue resolved.

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 2023-02-04 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$71000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2023-02-04 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$5200.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$71000.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX FS XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- Capital One  in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX -XXXX XXXX XXXX of {$1400.00} date opened unknown. 

I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Commerce Home Mortgage, Inc
State: TX

Complaint narrative:
On XXXX XXXX, 2022, a contract was entered for the sale of my own home. I was the XXXX agent. Per the contract, the closing date was to happen on XX/XX/2022. Due to the negligence of the lender to act in a timely manner and ignorance of their own loan product policies, we did not close until XX/XX/2022. I say it was negligence and ignorance on their part because I performed my duties of the contract in a timely manner and it was on their own admission that the buyer did too. Some of the extra time was needed because they could not figure out if to use the homestead exemption tax rate for the home which the buyer certified would be his primary residence! According to the bank, if the homestead exemption tax rate could not be used, it would put the buyer above the ratios and disqualify him from being able to purchase the home. Meetings and phone calls were scheduled within the bank to resolve that matter and were put off. As a XXXX XXXXt, I am usually able to recoup what monetary losses my seller will have due to extending the closing date by reducing the closing cost concession, if there was one written in the contract. However, the bank stated that, if I did that on this home, it would also disqualify the buyer from purchasing the home. They suggested that buyer pay me the {$2000.00} in reduction outside of the closing table even though the delay had not been buyer 's fault. I should note that this was not mentioned on the emails or texts but via phone call. On XX/XX/2022 I sent my final text to the loan originator asking her for a status. There was no reply. On XX/XX/2022 I began the process to request XXXX money as I was under no obligation to complete the sale. I communicated that with the buyer 's agent and shortly after that, I finally received a phone call from the bank telling me we had a clear to close. It would have been unfair for the buyer to lose the home due to the negligence and ignorance of the bank so I agree to complete the sale. However, the bank still needs to XXXX held liable and responsible for the monetary losses that I, the XXXXXXXX XXXX incurred such as additional taxes, additional home insurance, additional interest and additional utilities. There is a consideration that is made when a contract is accepted that relates to how soon the buyer and lender can get the deal closed. Lenders need to know the importance of that in real estate and act and/or perform accordingly. I have worked as a XXXX XXXX XXXX for 10 years, there are cases when circumstance are out of everyone 's control. THIS was not XXXX of them. Most of our communication is in texts or emails attached. This does not include phone calls made for which I do not have recordings of.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX 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 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents 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 non-monetary relief
Consumer complaint received 2023-02-04 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation