vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: TX

Complaint narrative:
This is an attempt by XXXX XXXX XXXX, and Unifin, to collect a debt NOT owed, and that I believe is a result of fraud. 
The original account was from XXXX XXXX. I have been fighting this company to delete this account for over 5 years. 
The account is for cell phones. I have NEVER had a contract or any service dealings with XXXX. EVER. 
This has been disputed directly with this company, dusputed online, disputed with XXXX XXXX All to no avail. 
We are getting nowhere and I need help. I keep getting letters about the debt in XXXX and im XXXX XXXX male who does not even speak XXXX. I cant even read any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
hi, as we all known SBA was depositing loan and grants in sole propietor account, and i was one of them.Few moths before i got PPP LOANS, XXXX  LOANS & GRANTS from them. and i didnt had business account as XXXX XXXX XXXX AND XXXX and we are not required to have BUSINESS ACCOUNT & EIN NUMBER we can use our social security number. I am driving since 4 years with them. All of a sudden on XX/XX/2021 early morning my chase account is closed for some reason after trying to reach customer service they said it was due to the reason my account was not business account for sba to deposit the funds so please drop your 1099 and 1040 schedule c in nearest branch. After doing it right away now they want me to have EIN number so the can release my funds. I tried my level best to explain the the requirements by XXXX AND XXXX XXXX IRS that drivers dont need to have EIN number. Chase said they gon na hold funds from my bank for 3 weeks which includes my saving account & my wife joint account she is frontline worker and her salary too gets deposited there. Now we dont have money in hand to Pay rent next week and no other source of money. I requested them and explained the best possible way i can but no humanity in them. and they want me to wait for 4 weeks to get my money. 
i have attached documents related to my self employment and sba documents alongwith unemployment department. 

MY SBA APPLICATIONNUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: KY

Complaint narrative:
on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.S 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report and also failed to provide me with a free copy of my credit report after the changes. it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation. Also I will also be seeking {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g. My information was impacted by the Equifax data breach as well so therefore got into the hands of a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient calls my phone multiple times a day every day. If I block the number they then begin to call from another number calling everyday. I have been notified by my sister, mother and a guy I dated that they too have been contacted by Navient in regards to student loans. NONE of these ppl had anything to do with these loans. I am filing a complaint with EVERY agency I can find because these ppl WERE NOT authorized to illegally get phone numbers and call ppl associated with me violating my privacy. This business should be shut down due to its illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have two of the SAME accounts from XXXX XXXX bank in my credit report. Both accounts has different dates that they were open. I notify the ( source XXXX XXXX XXXX about my observation on XX/XX/2021. The company XXXX XXXX indicated this duplicate SAME account on my experience report was not there doing and should be disputed with the credit bureau. Therefore, I disputed the inaccurate same account to Experian same day. ON XX/XX/2021 I RECEIVED THE RESULT OF MY DISPUTE WAS COMPLETED. I LOOKED INTO MY experian ACCOUNT ; nothing has been resolved about the dispute. So, I concluded that the duplicate account from XXXX XXXX bank with inaccurate DATE & false information is a FRAUDULENT ACCOUNT! I called experian and let them know of my findings since my first dispute on this matter was completely & not resolved. As of right now this the status of the same dispute of the duplicate account from XXXX XXXX has been reinstated as a fraudulent 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 non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently alerted Chase to shut down my checking and savings account because my old cell number was still attached to it and they claimed they could not remove it. Because this number was spoofed, illegally opened several accounts and impersonated as me, I became frightened and demanded they shut my 2 accounts. It was only then it was discovered there were 4 other accounts linked to my profile and I couldn't access them but they were mine because they were under my profile. Chase would not provide ANY information, just promised all the accounts would be closed. I need a new social security number but need a police report to get this investigated first but Chase won't provide me the account number for the XXXX account, the XXXX  account or the XXXX XXXX account. It's a catch 22 situation. The nypd said they would try to help but can't complete a police report without this info, please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NY

Complaint narrative:
I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}

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 2021-04-28 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: NY

Complaint narrative:
I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: OH

Complaint narrative:
I sent out dispute letters on XX/XX/2021 and the accounts has not been removed. I have not received a response to my request and the information has not been updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I have a debt collection for XXXX XXXX using XXXX XXXX as the collection agency. The amount is for {$920.00} and is on my XXXX and XXXX credit reports. I have never had an account with XXXX XXXX or any other cable/communication service in 24 years. My family has been with XXXX XXXX XXXX for the past 9 1/2 years and the account is in my husbands name. I called XXXX and verified Id never had an account and asked them to contact XXXX to remove it. They said Id have to work with XXXX. I hired XXXX XXXX for help with no resolution in 5 months. I called XXXX over these 5 months and finally got someone yesterday who could not find any information of a collection against me. I asked for contact with someone with more authority and information access. I was given the email address of XXXX. I wrote it and today I get an email with a reference number because theyve magically found me in their system. I wish I had never done that. They have my first and last name, my present address and an email address, XXXX, that is not mine. They did not want to help me fix this other than by paying it. 

This has greatly impacted my credit score. I can find noone who can effectively help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: MD

Complaint narrative:
I have contacted Equifax by Mail for the months of XX/XX/2021, XX/XX/2021 and XX/XX/2021 about XXXX XXXX account with a balance of {$64.00}. This balance is reporting incorrectly and Equifax continues to verify this as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

ALLY FINANCIAL opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}

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 2021-04-28 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 : XXXX. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX CO on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX CARDS XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX BANK NA on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent at least XXXX or more certified letters to Experian begging them to correct my personal identifying information which includes multiple fictional addresses, alias names and cell numbers I can not access. I also provided police reports and restraining orders to show I have a stalker who is doing this and this information is still incorrect and the stalker is being catered to

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 2021-04-28 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 XXXX XXXX XXXX XXXX On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later i have not received a response yet. I feel like i am being taken advantage of and being ignored of my disputes. Section XXXX ( a ), its stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX, The Real XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some big scamming people on the dark web. I included my FTC report # XXXX. this agency has violated numerous FCRA laws, which is not fair because the FCRA says credit reporting agencies play a VITAL part in peoples lives. The are reporting a bankruptcy on my credit report which is clearly an infringement of my privacy. I DO NOT WANT that information shared and you still shared it anyway. Under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this bankruptcy shouldn't be on my credit report, but yet you showed it to the public. My bankruptcy is not public record. in am totally annoyed with this dispute process. I want all these unauthorized unverifiable accounts removed from my credit report asap. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission and anybody else who I need to get involved.

Company response to consumer: Closed with explanation