vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: TN

Complaint narrative:
I do not recognize the disputed account. The information regarding the account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, date of last payment, date of first delinquency and date closed being reported. 
I had requested that the disputed account account be verified and I have not seen any proof from the Bureaus it was. I have not received any documentation on this account to verify that this is mine.

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 2021-06-25 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. They told me to wait 180 days and its beg pass that. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingUSA
State: TX

Complaint narrative:
Theres a open complaint that is still being investigated filed against XXXX XXXX with Consumer Financial Protection on XX/XX/21 or XX/XX/21, complaint # XXXX. I received another denial letter from LendingUSA that stated XXXX XXXX XXXX  has denied me due to the number of inquiries, number of finance loans and my credit score is XXXX on XX/XX/21. Due to the improper denial by XXXX that is being investigated, LendingUSA is checking other bank without my consent and they are currently running my credit report with information that will show numerous of inquiries and open loans due XXXX denial. Also my credit score has dropped since the XXXX denial. My credit score that they provided to me in writing was XXXX  with XXXX  and currently the credit score is XXXX. I have not given XXXX or LendingUSA permission to pull my credit report again! XXXX or LendingUSA if they are affiliated should use the credit report that they pulled on XX/XX/21 or XX/XX/21 ( at the time the truth & lending agreement contract was signed or before when I first applied for credit. The finance inquiries that XXXX XXXX XXXX  is denying me per Credit Bureau reporting is inquiries & open loans wasnt on my credit at the time XXXX approval and it wasnt on the day I signed the agreement. As I mentioned before in the complaint, XXXX was the very first loan that I signed. I did not go with any other Banks until days or week later. It appears that XXXX XXXX LendingUSA is trying to search for other banks now and running my credit ( which will result in denials now due my credit score has dropped & inquiries & open accounts which is almost paid off ) to cover themselves for wrong denial. LendingUSAXXXX XXXX XXXX  is denying me based on recent information reporting and not with the information they obtained between XX/XX/XXXX-XX/XX/XXXX when my credit was pulled. My credit score dropped as soon as XXXX did a hard pull which was during that time period. LendingUSA need to stop pulling my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
On XX/XX/XXXX I pulled my credit file and found a negative account that was in collections listed. I immediately sent a debt validation letter to the company listed as reporting the debt ( Copy attached ) I also asked for them to send me copies of all records including the original contract with signatures, also a copy of the photo id that would of been provided when the account was originally set up. I have no recollection of ever setting this account up nor have I ever lived at the address that they have listed on the invoice copies that were sent to me in order to validate this debt was mine. 
I have attached all correspondences with the collection agency for review. As stated in all letters, I have no knowledge of this account, I don't own this account, I have never lived at the address listed on the invoices and I do not need to be harassed by the woman at the collection company, consistently insisting that this debt is mine, when she has yet to provide adequate proof to justify her claim. 
Not to mention, The statements that XXXX sent over ( collection company ) show that this debt would of defaulted in XXXX. In Florida that is past the statue of limitation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: IL

Complaint narrative:
No help

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 2021-06-25 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: IL

Complaint narrative:
No help

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 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On the XXXX of XX/XX/2021 I tried to get into my account and it logged me out so I tried to log back in and when I did it said that member services had suspended my account before suspicious activity so I called them and they want copies of driver 's license and a piece of mail with my name and address on it so I take them and I send them to them then I don't hear anything out of them for quite a while so I call and it just keep giving me the runaround and I can't get access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi, Hope you're having a wonderful day. I have multiple inaccuracies on my credit report that needs you all 's help. I've spelled them out in the attached documents and request prompt action in resolution. 

Unfortunately, there was a problem on your side when I originally submitted my requests, therefore I'm seeking confirmation and follow up within 30 days of this complaint. Thank you so much in resolving this matter.

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 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I opened a checking account with a Chase National Bank in a branch in XXXX, Arizona. They checked my credit and found I had a good credit score, so they opened a checking account and issued me a debit card. In order to forego the monthly charges for this checking account, the Accounts Manager suggested I allow them to notify Social Security ( SS ) and have them automatically deposit my checks into Chase 's account. I was warned, there would be a delay in receiving my Social Security checks into this new account. I was also advised this is normal with the Social Security Administration and not to look for my money in this new account for about a month. 

In addition, I had XXXX XXXX automatically deposit the royalties I received from a book I wrote, copyrighted and published in XXXX of XXXX. I was having my royalties electronically sent to my checking account with XXXX however, unbeknownst to me at the time, XXXX did not authorization to receive these royalties, under the Federal Reserve guidelines for International ACH Transactions ( IAT ). Chase Bank has this authority to receive International ACH Transaction ( IAT ). I only recently became aware of XXXX 's shortcomings. So, in XXXX of this year I opened a checking account with Chase because they are located about four blocks from my residence. Four years of not receiving royalties has been very frustrating for me. 

On XX/XX/XXXX, I received a letter from Chase advising me that, " after careful consideration '', they will be closing my account on XX/XX/XXXX. Other than their " careful consideration '', there was no justification for them to take this action. 

I answered their letter explaining, that if they didn't want me to have an account with their bank, they should have not allowed it to be opened in the first place. By opening this account and at the advise of their New Accounts Manager, changing my Social Security deposits to Chase Bank eliminates the monthly service charge but would take approximately up to a month for this to take effect. This would not be a problem for my SS check would still be sent to XXXX. 

However, cancelling my account abruptly this way, without allowing enough time to notify SS of this change, I do not know when or how long, SS would be able to get my checks to me. I may have to wait months until it is restored. Chase Bank had no justification to arbitrarily and capriciously close my checking account and put my SS check beyond my reach for an unknown period of time. I am XXXX years old and I need my Social Security money to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: NC

Complaint narrative:
I tried to redeem my membership rewards points today, XX/XX/2021, for a flight reservation but this redemption, wasn't successful and it flagged my account to go under reveiw. This also happened a few months ago when I tried to redeem my points for a flight reservation on XX/XX/2021. My membership account went under review at that time and the review process was completed 2 months ago. How many times per year does American Express need to review membership rewards accounts? This's my second time during this calendar year and every time it takes up to 3 months for an account to be unfrozen. I found this unreasonable and needs further explanation and more transparency from the company. I will not pay the {$590.00} annual fee for the XXXX XXXX card ending in XXXX unless I have access to my points, I'll not pay for a card I don't have access to its benefits, such as points redemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There a are a few credit inquiries on my report I do not recognize

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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There a are a few credit inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase is now offering me XXXX bonus points for {$4000.00} of spend within 3 months for the same card I already signed up for. When I signed up it was only XXXX for the same amount of spend. If I had known Chase were going to increase it, I would have waited to apply when the offer was higher. This is deceptive business practices and misleading advertising. Attached is a screenshot showing the current offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: FL

Complaint narrative:
I signed up for a PPP Loan through the Company XXXX XXXX who's partnered with Capital Plus Financial LLC in Early XXXX and got approved by the XXXX, after three months of waiting they sent me an email yesterday XX/XX/21 stating they couldn't approved my loan because i didnt give the info although my loan was approved and funded by the XXXX  in XXXX Allegedly. Some fraudulent activity is going on because i called XXXX today and they stated they dont have a document from this company that i signed which i did signed and have receipt from XXXX XXXX that i did. Im just trying to get to the bottom of this situation because all the reviews on this company is fraudulent but yet im on the PPP search stating i have a {$15000.00} loan that i never received. You guys can contact docusign with my email information to verify this with my email which is XXXX. XXXX Loan number XXXX the Lender is Capital Plus Financial , LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal closed my account for no reason a few months ago and will not help me with getting it back up. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently to both buy and sell using a site called XXXX. I know quite a lot of other people who have used this site have also been flagged down by PayPal. My paypal email is XXXX. This has severely affected me as I have to completely switch up how I XXXX XXXX XXXX and I'm still even trying to figure it out. If I could recieve any help that would be greatly appreciated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 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:
I have been writing all three credit bureaus and they have continued to ignore me. I wrote them on XX/XX/XXXX I wrote them again on XX/XX/XXXX and I still have not heard back from them as of today XX/XX/XXXX. This stuff on my credit report do not belong to me and I want it removed from my report. i am asking you to get these three companies to remove this stuff from my report. I never gave them permission to report these fraudulent accounts. For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XX/XX/XXXX I pulled my credit file and found that LVNV Funding was reporting I had a collection account with them from XXXX  XXXX XXXX. They reported the account was opened in XXXX and the amount due was over XXXX. I sent LVNV a dispute letter on XX/XX/XXXX asking them to validate this debt, I also requested contact only via mail and to not contact my home or place of employment by phone. 
I receive the attached response from Resurgent/LVNV stating that they went to court and receive a judgment against me. I dispute the validity of the document for multiple reasons I never received any type of notice/ documentation that I was being taken to court When I went to XXXX county records department and searched for the cause number no records were found and the cause number was invalid I requested a national court document search to locate the official paperwork and again the cause number was invalid and nothing was located via the Pacer data base. 
The document sent to me by Resurgent looks to be possibly made in house, It has no identification markers that are typically found on official court documents issued by the courts. 

I have attached all documents for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have numerous credit inquiries on my report that are not mine and I did not authorize.

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 2021-06-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

They also violate my HIPAA Privacy as they failed to protect my medical records and other personal health information.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation