vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it concerns Chase card services has two accounts under my Social Security number and my name that are identity theft and were not opened by me. 
First account ending in XXXX & 2nd ending in XXXX. 
To assist with the research my information is as follows XXXX XXXX XXXX XXXX These accounts are reporting as close to my credit reports such as XXXX XXXX and XXXX and based on My credit report they were both opened in XX/XX/XXXX. 

Again these are identity theft accounts fraudulently open under my name I never open these accounts and will not be held liable. 

Let me say that I have been attempting to get this matter resolved since I noticed them in late XXXX on my credit reports. I have reached out to the company I have sent credit bureaus information regarding this Ive attached a few communications with Chase and their responses for you to see. For whatever reason when I follow up on the investigation theyve either verify the account without providing any evidence or just not follow up at all. 

You will see in the responses specifically in XX/XX/XXXX I requested them to verify any information and they just responded with we have reviewed and confirmed its valid. This specific example is Unacceptable as they are ignoring the laws as they must abide by two without providing any evidence on how they verified it. The next step will be a small claims court lawsuit against Chase for the specific reason as they are failing to provide any evidence whatsoever through mailed responses. 

After calling into the fraud department and getting circled around with different representatives not knowing what to do or having any resources available to help with this matter a few times they explained to me that there was payments made from a XXXX XXXX bank account and thats why they are verifying it. 

Again this information was provided over the phone it was not provided through the mail response but based on that information I did get a letter from XXXX XXXX stating that Ive never had a bank account so the payments could not have been made for me further proving that these accounts are identity theft and fraud. 

So please see the responses from Chase and understand that They have failed to provide evidence to verify these accounts which is unacceptable under the law. 
Just based on talking to Chase over the phone I have disproved that these accounts could be mine through a bank account see attached letter from XXXX XXXX. 

Needs to be resolved now and the lingering back-and-forth communication with Chase is unacceptable without any resolution. 

These accounts are fraud they are identity theft were opened without my authorization and need to be deleted from my name and credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
WELLS FARGO BANK now you have the information to make this right. I know this is money laundering and if not corrected you are put of it.

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 2022-11-16 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: PA

Complaint narrative:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

They do not have my permission to report on my consumer credit report.

IDemand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine.

letters have been sent certified mail and return receipts have been received by me.

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX na : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX  XXXX : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage went from round point to fifth third bank. I received a letter about the the takeover. However, the company has not been able to give me access to my account online for over three weeks now. I have not been able to make a payment because I can not access my account. Fifth third bank continues to tell me that they can not verify me and that I would have to wait 30 days to verified again. I have never experienced not having access to my consumer account in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-16 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: DE

Complaint narrative:
According to the law 15 U.S.C 1681 ( i ) & 15 U.S.C 1681 ( b ) & the Gramm-Leach-Bliley Act, I XXXX XXXX, did not given my written consent to furnish this data on my credit report. 

The following Inquiries are in violation of the FCRA and FDCPA. 


XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On, XX/XX/XXXX, my account had three separate {$500.00} withdrawals through XXXX from three different people whom I do not know. I have only used XXXX to pay someone many years ago and since have not. 

I immediately went to the bank and they began the investigation process. I changed my account number, cards, etc. XXXX XXXX, I heard back from PNC Bank and they said there was nothing that PNC Bank can do, that I will not get my money back and to file a police report due to crime committed against myself. 

These are unauthorized transactions for a total of {$1500.00}. I am the sole provider to my family and this is truely hurting our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX said I owe them {$410.00} and {$400.00}. I do not recognize this accounts. XXXX has two collections on my accounts.

I am requesting that you provide verification of this two collections you have on my account.

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 


Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 


Whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

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

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Millco Management
State: TX

Complaint narrative:
Amerifinancial called me about a {$40.00} debt less than a week ago. They said it was for a doctors visit. I called the doctors office billing department, spoke to a man who reviewed the date of charges, and the doctors billing contact agreed i should not owe for that visit for blood results and it was billed incorrectly. He told me he was going to look into it, and will hold off on having it reported to my credit ( i specifically asked him to please review it ASAP so it doesnt go on my credit ) and he told me " not to worry about it, it wont go on your credit report ''. Well, Amerifinancial reported it to my credit on XX/XX/XXXX, not even a week later. I called them today and told them it isnt even confirmed as being owed yet... and that the doctors office billing representative informed me that he was looking into it and putting it on hold. The guy on the phone got agitated and started raising his voice at me after i explained to him that this is not even a confirmed debt and i am entitled to at least 30 days to confirm this / work this out with the doctors office. He also tried to make up every excuse in the book as to why they are allowed to destroy my credit on an unconfirmed debt. I am also in texas, which is a one party consent state. I told him at the very beginning of the conversation that i record all of my calls because of bad behavior by other debt collectors in the past. He got really upset and said he doesnt consent to being recorded, and then hung up on me. I called them back and the next representative hung up on me. This debt is not even verified yet and they are reporting it to my credit. I said up front, if i owe it, i will pay it. The first time they contacted me by phone was last week. They claim to have sent out a letter without tracking or verification, but i never received anything. The account is from XXXX, but i was just made aware of it less than a week ago. The doctors office isnt even done looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: FL

Complaint narrative:
MY identity was stolen I reported. it to the FTC and attached the report I have reached out to the reporting agencies to block the information that was a result from identity thief. I did not receive a response my husband and I are not able to move forward in our home purchase because of this fraud it is damaging my ability to buy a home PLEASE CORRECT MY REPORT AND BLOCK THIS INFORMATION I HAVE MANY ADDRESSES INQUIRES AND 2 ACCOUNT THAT DO NOT BELONG TO ME. PLEASE ADVISE ADDRESSES ARE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX XXXX # XXXX Total fraudulent amount : {$1500.00} ACCOUNT -XX/XX/XXXXXXXX INQUIRIES XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX the reporting of any XXXX 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 I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) REMOVE ALL SAID NAMES, ADDRESSES and ACCOUNTS AND INQUIRES CONNECTED TO THIS IDENTITY THEFT WITHIN ( ( 4 ) ) BUSINESS DAYS AND OR PAY FOR DAMAGES 15 USC 1681 C-2

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 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I looked at a product XXXX sold through Affirm. I never received it and had immediately cancelled. I have been harassed and threatened ever since. They are threatening to report me for failing to make payments on a product I cancelled immediately and never received. I have called them and was told harassment would stop but it has continued via text. Now they texted me threatening to report on my credit rating and demanded payment for a product I never received and immediately cancelled. I was told contact would stop and it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

XXXX XXXX Account 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 2022-11-16 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In accordance with the fair credit reporting act ARS Account Resolution ( Account number XXXX, has Violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 also states a Consumer Reporting Agency can not furnish an account without 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 adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
To whom this may concern, last year of XXXX I applied for the Forbearance program and I got approved. I was told after completing the program that payments will be added to the end of the loan. I spoke an associates back in XXXX, and I was informed they will send documents for me to sign and Notarized then send back and it should take XXXX days. I started making my regular payment of XX/XX/XXXX. I have not missed a payment yet. I continued to call every month to find out the status of the Documents and no one seems to know whats going on. I requested to speak to a supervisor multiple times but instead I got hung up on. Other times I was told a Supervisor will be calling me back and still have not got a call back yet. I am exhausted and frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
- Received a letter on XX/XX/2022, stating that the bank would like to verify some recent activity on my account. In the meantime, they are going to put my account on hold - I called them and spoke to the representative and stated that I never banked with you all and I did not open an account. 
- She put in a fraud alert and emailed that department and informed me to log onto FTC.gov to make a report and to contact the three credit bureaus as well as to contact XXXX XXXX First National Bank of Omaha ( Name of the Bank )

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 2022-11-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Noticed a few inquiries on my report I do not recognize

Company response to consumer: Closed with explanation