vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received a XXXXXXXX XXXX XXXX from Chime in my name. I received a text to XXXX XXXX XXXX  cell that the card had been delivered. I never asked for this card and had never heard about Chime before. On XX/XX/XXXX I called the phone number on the card and were asked to give personal identifying information ( last XXXX # XXXX XXXX XXXX XXXX XXXX, etc ) before they would even talk to us. Eventually they said this was identity theft and said they would send me an email. I was given a ticket # XXXX. I never received an email. On XX/XX/XXXX I called again and had to repeat the entire process again. I tried to give the ticket number telling them there was already a case report but they refused to take it. I asked to speak to a XXXX XXXX XXXXXXXX ) who also refused to take the ticket number, asked me all the personal info questions again and gave me a new ticket number ( # XXXX ) and was told again that they would look into it and send me an email. I still have not received an email. When I asked if there has been activity on this account they refused to tell me. I am concerned that this company is a fraud and now they have even more of my personal information. Their customer service workers do not understand basic XXXX and had a hard time understanding what I was trying to tell them. The phone number on the back of the card is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
An unauthorized charge was made to my account for {$300.00} on XX/XX/XXXX at Paypal. I found out on XX/XX/XXXX and alerted Paypal immediately. They opened a case ( XXXX ) to resolve and resolved it in my favor on XX/XX/XXXX indicating they would recover the funds. The case was then closed by Paypal and nothing was communicated. I followed up and was told they sent a " follow-up '' about the transaction. A new case was created on XX/XX/XXXX ( XXXX ) through this. It too was resolved in my favor on XX/XX/XXXX. But again no communication was had after the fact and the funds were not returned as promised. I reached out again on XX/XX/XXXX and they opened another case ( XXXX ). Again, the determination was made on XX/XX/XXXX that " the activities in question on your account are unauthorized. '' But again nothing was done. So I reached back out to Paypal again and they opened yet another case ( XXXX ) to re-issue the funds back to my account on XXXX. But the case has been closed again, after being resolved in my favor again. I'm seeking to file a complaint due to the continued deceit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CityBank has issue account ending in XXXX for credit card and and multiple accounts using my information, I don't have access to these accounts no even banks statements, automatic payments continue to be issue to this credit card from other bank institutions and I still don't have access or get bank statements. Since XX/XX/2022 I have been visiting many locations, calling to ask about these accounts and they always hang up on me not giving me telling me that they can't not even bank main address or their representative ID. it has been months since I have reported the issue to CityBank and not resolution, they also closed another account where all funds and statements even bank account number went missing 8 months ago.

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 2022-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, it appears you're not watching what is going on so I will say this only once, according to the new rules put out by you and the other two agencies it appears you are not following them, it states .... 
" The three nationwide credit reporting agencies have agreed to three important changes to reporting medical collection accounts, the time period before unpaid XXXX XXXX debt will appear on a consumers report will be increased from six months to one year this is effective XX/XX/2022 There appears to be an account that i didnt even know about placed on my report by some company named XXXX and they have three items dated XX/XX/2022 thats a far cry from one year. You need to remove this NOW.

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 2022-12-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX someone tried opening a credit card under my name through Bank of America it made a hard inquiry on my XXXX report. I called Bank of America and got nowhere I called XXXX XXXX XXXX and they saw it and told me to report it and then I can send them the out come to get it removed. I got a email from Bank of America with a reference number as well with the denial of whoever tried to open a credit card with my information. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America with also bank transfers yes they got denied but it wasnt me and on my credit report. I appreciate help with this matter, so they can remove it from my report. I also have the denial email as well if needed. Thanks 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 2022-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery and associates has been illegally reporting multiple inaccurate misleading incomplete unverifiable accounts on my XXXX XXXX XXXX 

After sending portfolio recovery and associates a cease and desist letter because the company could not fully and completely verify an account under the name XXXX XXXX original creditor. 

I have no knowledge of this account. And portfolio recovery and associates has not able to send me any documentations with my original signature our statements proven that this account actually belongs to me. A violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU IM REACHING OUT TO THIS AGENCY ABOUT IM HAVING PROBLEM ISSUES WITH & BUSINESS FINANCIAL COMPANY GOES BY THE NAME OF INCOMM FINANCIAL SERVICES INC CONSUMER CUSTOMER PURCHASE XXXX XXXX DEBIT CARD AT XXXX  RETAIL STORE LOCATION CONSUMER CUSTOMER HAS PHOTO COPY OF ORGINIAL RECIEPT THAT HE PURCHASE FROM XXXX  RELOAD STORE LOCATION CONSUMER CUSTOMER LOAD XXXXXXXX XXXX ON XXXX XXXX XXXX XXXX XXXX & AFTER THE CONSUMER CUSTOMER PURCHASE THE XXXX XXXX XXXX XXXX HE BEEN HAVING DELAY PROBLEM ISSUES WITH USING HIS XXXX XXXX XXXX CARD WITH PAYING BILLS ONLINE SHOPPING THE CARD COMPANY HAS CLOSE MY XXXX XXXX XXXX XXXX WITHOUT MY CONSENT FOR NO REASON PREPAID DEBIT XXXX XXXX CUSTOMER NUMBER XXXX CONSUMER CUSTOMER NEED ACCESS TO HIS FUNDS INCOMM FINANCIAL HAS BLOCK ACCESS TO MY PREPAID DEBIT CARD ACCOUNT CONSUMER CUSTOMER HAVING HARDTIME WITH INCOMM FINANCIAL UNBLOCKING MY CARD ACCOUNT CONSUMER INCOMM FINANCIAL INC REFUSE TO SEND CONSUMER CUSTOMER REPLACEMENT PREPAID XXXX XXXX XXXX AS WELL TO HIS PHYSICAL MAILING ADDRESS CONSUMER CUSTOMER DID NOT ASK FOR REPLACEMENT CARD TO BE MAIL OUT TO HIM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
On today 's date, XX/XX/2022, I received an alert from XXXX that an account was placed for collection and listed on my current credit report. The collection agency, Creedence Resource Management, was referring to an account of XXXX XXXX in the amount of {$890.00}. I have no knowledge of this account and have never been a customer of XXXX XXXX. Earlier this year, Creedence Resource Management placed a similar account under my name with XXXX XXXX XXXX for collection. This account was found to be the result of identity theft using my name but an incorrect address and I was later relieved of any responsibility for that account. I do not know if this recent action by Creedence Resource Management was also due to my identity being stolen, but I have no knowledge of any account with XXXX XXXX. The result of this action by Creedence has resulted in a loss of 141 points on my usual excellent XXXX credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
1. On XX/XX/XXXX Ally Bank sent a third party to my home address to seize my property for payments. According to the 5th amendment, my privacy was violated, while I have a private property NO TRESPASSING sign on my property. 
1.a ) Criminal trespass in the first degree is a Class A Misdemeanor which is punishable by up to one full year in jail, a {$2000.00} fine and probation. Criminal trespass in the second degree is the midlevel trespassing statute in Connecticut. The statutory citation is Connecticut Gen, Statues Section 53a-108. 2. Ally Bank has violated 2018 Connecticut General Statutes Title 36a - The
Banking Law of Connecticut Chapter 669 - Regulated Activities Section 36a-646 - ( Formerly Sec. 36-243b ). Prohibited acts.

Universal Citation : CT Gen Stat 36a-646 ( 2018 ) " No creditor shall use any abusive, harassing, fraudulent, deceptive or misleading representation, device or practice to collect or attempt to collect any debt ".

3. Ally Bank has violated : The Fifth Amendment protects the right to private property in two ways. First, it states that a person may not be deprived of property by the government without due process of law, or fair procedures.

4. Please see attachment for proof of " NO TRESPASSING ''.

Since that day I have been trying to get my property back and I have been getting the runaround.

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 2022-12-06 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: MN

Complaint narrative:
Your company falsely reported in defamation of my character. Further you created a deceptive form that made lenders and creditors, believe that i was not an idle Canidate to extend lines of credit too. Further pursuant to 15 usc 1681 ( a ) ( 4 ) A consumer reporting agency must exercise their grave responsibility to reporting 100 percent Accuracy and credit reporting. Due to your inaccuracies and non-verifiable information 0ver a 30 hard inquires. other people 's information blocking me out of monitoring services, Wich i have been trying to have you guys fix for over 4 months now not able to place credit freeze on my report. denied personal loans, extension of lines of credit as well. and multiple other violations under the FCRPA. That my lawyer has been documenting. It's on file with Equifax that i was a victim of your data breach as well. This is a formal notice to let you know my attorney that will be representing me on these multiple violations Equifax is responsible for. and will be held accountable in state and federal court. thank you for your prompt and immediate response to attending to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 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 non-monetary relief
Consumer complaint received 2022-12-06 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX MN XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: MT

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. )

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 2022-12-06 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: MT

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An account application was opened for a XXXX credit card that I did not authorize on XX/XX/2022, from JPMCB. I assume this to be a fraudulent use of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has been illegally reporting multiple inaccurate misleading incomplete unverifiable accounts on my XXXX credit report. 

After sending XXXX XXXX XXXX XXXX a cease and desist letter because the company could not fully and completely verify an account under the name HSBC Bank original creditor. 

I have no knowledge of this account. And XXXX XXXX XXXX XXXX  has not able to send me any documentations with my original signature our statements proven that this account actually belongs to me. A violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I will attach a file below that states all of the accounts that were affected by this claim.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation