vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Greetings! 

I spoke to an agent about debt collection issue from XXXX XXXXXXXX XXXX. 
I complied in good faith and to show my good intentions only but not judge my situation based on my records. I am a good payor and only was a victim of the credit card scheme or the card never arrived and received by me. I tried to explain to the agent I think the call was recorded. Anyway the short version of my story is I purchased an item on Victoria secret for only {$95.00} which is not really a big amount for me not to pay for it. Now cashier offered me discounts 10 % on my purchase, I was interested and engaged, ended up getting a card, she did even try to say that it was a credit card on the first place. Anyway it happened and gave me a receipt that I kept for evidence until now. The receipt says that I will receive the a credit card about 10 to 12 days. Now, the card did not arrived and was never received. Then, a letter came to stating late fees which I strongly believed is invalid because in the first place there was no credit card and means to pay the credit. Now, conflicting assumptions came that this is a scam and/or scheming. Delaying the card by mail. I went to the bank to check the transaction history and all. I investigated more and took time to check my assumptions. Then charges, piled up. On the month of XXXX a letter stating that I purchased an item which I did not do. During this time I realized that the card was stolen or manipulated by the company to increase the charge but I can not prove that. So the amount increased and double. I called the credit company to report this but said to me they need my SSN card copy and proof of address mailed to them, which I doubted, and did not comply because they can't have my SSN and in the first place my SSN was in their records. So it took time that they closed the account until it accumulated higher fees. Now COVID 19 happened XXXX and I am a active XXXX XXXX for the State of New York and was assigned in a COVID center hospital. I can't deal with the problem due to the nature of my work and lack of knowledge, skills and resources to amend this and claim my reputation as good payer. 

So, I am signifying that I paid only and only with intentions and good faith to resolve this and recover my good reputation with my records. It was not intentional not to pay but rather the card never arrived. I am appealing to XXXX XXXX XXXX to please clear up my name as soon as possible because I need my FICO scores to go up. This record was never meant to be on my profile as a person and dont just clear me get the record deleted. This is COVID times in New York that I badly needed my reputation and good standing from my bank. My life is devasted already because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
# 1 they have bad customer service # 2 they XXXX XXXX  # 3 I try apply for a credit card but they deny me because someone used my name to open a account # 4that account is fraud # 5 I already do a fair shake lawsuit they already got it in XXXX in 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX / added a demography credit Report per XXXX  XXXX.Upon research this account was sold/Transferred and I am no longer Responsible for this account. Creditor did not verify this Account. Also there was no form of written communication Or signature for this Debt at all. A bill without a signature does not validate The debt anybody Can send a bill to say is mine. According to FCRA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 2 have violated my rights As a consumer and I am Requesting legal action to have this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2021-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Jpmorgan and, XXXX XXXX XXXX XXXX, partnership or trustee of XXXX XXXX XXXX XXXX, XXXX XXXX, home loans., XXXX XXXX XXXX XXXX XXXX ga XXXX .and XXXX XXXX XXXX  XXXX ga. Ok jpmorgan Chase bank, did not give out notice on the sale deeds of these address .in XXXX and XXXX. Under XXXX  XXXX group. Mr XXXX XXXX XXXX been old owner of jpmorgan and XXXX XXXX XXXX XXXX, did not give all the heirs too the business a copy of deeds transfer ... also XXXX XXXX assert that he has bought his own property .Mr XXXX XXXX XXXX own and was a heir too these address in XXXX and XXXX. How did XXXX XXXX sell XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. His own property in XXXX. He already own it in XXXX and XXXX. Mr XXXX XXXX. Asserts also that. He is not been or work as the management or trustee Mr XXXX XXXX XXXX made him ether. So I want jpmorgan too get XXXX XXXX on the phone .too sign a letter of afiavdavit, it a pandamic out here and us the heirs too this huge companies are left for dead .not a word from the management or trustee yet .Mr XXXX XXXX XXXX been deceased sense XXXX .not a word from them yet. Need XXXX XXXX too sign this paper say he a be arrested if he is telling ly .he says y'all steel his I'd and he not doing trustee work on none of this and he didn't no he own the house he bought already back in XXXX for XXXX. So who is ly here. Let 's get the proff of who is lying. Here is XXXX XXXX phone number XXXX .leave a message if he don't answer XXXX ... .both his number. Ok ... A tax return want show u property in a trust and it operation agreement. Need a agent for this research ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have written to experian about an account from XXXX of 2015 the continues to reflect a non payment when in fact this account has a XXXX balance and SHOULD BE CLOSED,

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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have mailed a security freeze request to Experian. 

Here is the : Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX XXXX TX It shows that they have received it on XX/XX/2021. I am checking the report now and unlike the other two Credit reporting Agencies, that were sent the request the very same day as Experian, Experian failed to make the update of the information requested.

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 2021-02-25 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. Equifax is in violation my federal rights as a Consumer by furnishing my information without my written consent which violates 15 usc 1681a ( 2 ). By doing so they have damaged my reputation and infringed upon my right to privacy as a Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is in regards to complaint number XXXX. In its response to my complaint, Bank of America decided to lie and conceive a record that does not exist part of which, is diametrically opposed to the actual record. Bank of America lied to me. Then the bank lied to the CFPB after I complained. With the exception of the facts that I presented originally, each and every new fact mentioned by Bank of America is either totally false or does not have any applicability at all to any of the issues. I have documentation that unequivocally proves the statements are false. 

I will however give Bank of America the benefit of the doubt and allow it to correct its original response by providing me with a response containing researched and legitimate facts. If Bank of America fails to provide a corrected and fair response to my original complaint without the inclusion of false statements, and provide the requested ( and frankly very reasonable and conservative ) compensation, I will have no choice but to file a lawsuit in the XXXX XXXX of California.

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 2021-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GreenSky, LLC
State: GA

Complaint narrative:
I got a police report like they asked me to. That still didnt help. They keep closing the investigation and reporting it to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Hey my names XXXX XXXX im a victim of identity theft and is unaware where my financial stability became very low and I've tried over and over on clear all inquiries debt collections and checking accounts including my names been red flagged for non sufficient funds and unauthorized payments i tried my best to avoid these issues im in a unfortunate situation and would like to clear my slate with all the inquiries bank account openings bounced checks and chexsystems blacklisting including XXXX and XXXX XXXX XXXX please help with this predicament and if u can investigate and need further assistance please contact me I appreciate it thank you and God bless.

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 2021-02-25 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: The CBE Group, Inc.
State: VI

Complaint narrative:
I learn on XX/XX/XXXX, I received a notification to my email that a charter bill is in my name. I contacted XXXX they said was no account. They re-age this account. According to XXXX XXXX XXXX back in XXXX it was on all credit reports. They was dispute due to this a fraudulent account. This is illegal. I would like for debt validation with my name SSN and drivers license. This company never sent a notice for the debtor my rights. My letter for debt validation and credit report is attach. 


SEND VALIDATION BY THE PORTAL Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
There are four credit reports on my credit reports that are not mine not I authorized in writing to be responsible for apartments that I never resided in such premises at all! They are fraudulent, and I continue to have such a damaging report repeatedly by submitting new data every cycle as they amuse without any foundation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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 — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Dear Officer, My name is XXXX XXXX. I want to dispute an unreasonable late payment delinquency record related to my PNC credit card. My credit score drop over 100 due to a late payment of {$81.00} in my PNC credit card on XX/XX/XXXX. But the fact is that I didn't receive the card neither activate it after I applied it. No one contacted me about I need to pay for it during XX/XX/XXXX to XX/XX/XXXX, and their customer service didn't help me to resend the card when I called them. When they finally sent me a email, the content is " you credit card payment is already past due for 34 days '', and PNC Bank reported this late payment as delinquency without any notice in anticipation and failed to help me when I contacted them to get my card and access to my account. I never used this card, the late payment is because they transfer my credit card usage on my XXXX credit card to this PNC credit card. But I didn't get any notice about this action neither through call nor email. During XX/XX/XXXX to XX/XX/XXXX, I called and emailed PNC customer service so many times asking them to resend me the card, they couldn't help because I don't know the card number or account number. They told me they couldn't find anything under my name. I also emailed the agent, XXXX XXXX, who assisted me with my PNC credit card application in PNC branch XXXX, NC. She said she had not worked there and couldn't help with that. Now I've not lived in XXXX, NC and moved to XXXX XXXX, CA from XX/XX/XXXX. When I saw the past due email this morning, I called them right away and pay on phone {$1000.00} dollars for it. It's unreasonable that my credit score get a such huge negative impact for an unknown payment. I'm looking forward to getting rid of this late payment from my credit record successfully. Hope anyone of your association can help me. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX .... balance {$8900.00} XXXX XXXX XXXX .... balance {$1200.00} XXXX  XXXX .... balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX .... balance {$12000.00} XXXX XXXX XXXX XXXX  XXXX .... balance {$0.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX .... balance {$8900.00} XXXX XXXX  XXXX .... balance {$1200.00} XXXX  XXXX .... balance {$0.00} XXXX XXXX XXXX XXXX  XXXX .... balance {$12000.00} XXXX XXXX XXXX XXXX XXXX .... balance {$0.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: IN

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TX

Complaint narrative:
The account XXXX XXXX is violating my consumer rights to privacy and fairness by having this negative collection accounts on my credit report. I never gave authorization for the credit bureau to put the negative accounts on my credit report. XX/XX/XXXXand EQUIFAX are treating me unfairly and being impartial toward me by maintaining these negative accounts on my credit report. EQUIFAX Credit bureau are in violation of 15 USC 1681 ( 4 ) ( b ) which states : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

This account must be deleted immediately because EQUIFAX is violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX # XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX # XXXX Balance {$210.00} XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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